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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs ICICI Lombard Activate Booster Plan B

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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HDFC ERGO

What Makes It Special:

HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

VS
ICICI Lombard

Activate Booster Plan B

ICICI Activate Booster Plan B

What Makes It Special:

Activate Booster focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Financial safety for large medical bills

  • Advanced treatment and wellness add-ons

  • High-sum insured super top-up policy

  • Maximum flexibility and big coverage

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

HDFC ERGO Optima Secure Plus

  • Long-term loyalty rewards and discounts

  • Annual health check-ups and preventive care

  • No room-rent or ICU restrictions

  • Automatic sum insured restoration after claims

  • Coverage growth with Secure and Infinite Benefits

ICICI Lombard Activate Booster Plan B

  • You seek quick claim settlement and annual health check-ups

  • You want coverage for dependents accommodation during hospitalization

  • You prefer easy conversion to base plan, no deductible

  • You want flexibility to top-up your policy

  • You need health coverage up to ₹3 crore

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Activate Booster Plan B
Activate Booster Plan B

Health Insurance Plan

Brochure

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Activate Booster Plan B

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Activate Booster Plan B

Not Available

ICU Charges

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

No restriction on ICU room rent

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Activate Booster Plan B

Not available

Disease-wise sublimits

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

No

Waiting Period

Optima Secure Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

VS

Activate Booster Plan B

Not Available

Cashless Healthcare Providers

Optima Secure Plus

~16,000 Cashless Healthcare Providers

VS

Activate Booster Plan B

10,300+ Healthcare Providers


Restoration Benefit

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Not available

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Activate Booster Plan B

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Available as an option

AYUSH Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Activate Booster Plan B

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Yes

Initial Waiting Period

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

30 days

Specific Waiting Period

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

2 years

PED Waiting Period

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

3 years

Modern Treatment

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Hospital expenses for listed advanced treatments are covered up to your annual sum insured during the policy period

Annual Health Checkup

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

Pre-Hospitalisation

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Available

Coverage Options

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Available coverage options: ₹10L, 15L, 20L, 25L, 45L, 50L, 85L, 90L, 95L, 1Cr, 3Cr

Claim Settlement Ratio

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

97.16%

Maternity Cover

Optima Secure Plus

Not Available

VS

Activate Booster Plan B

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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