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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Shield vs HDFC ERGO Optima Secure Plus

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

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ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

VS
HDFC ERGO

Optima Secure Plus

Get enhanced health insurance protection with 2X cover from Day 1, 100% additional base sum insured every year, unlimited automatic restoration and coverage for listed non-medical hospital expenses.

What Makes It Special:

HDFC ERGO Optima Secure+ is a comprehensive health insurance plan designed to build coverage over time while providing enhanced protection from the start of the policy. Its Secure Benefit doubles the base sum insured from Day 1, while the Infinite Benefit adds another 100% of the base sum insured after...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

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

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

VS
Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

VS

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

Advanced Treatments

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

VS

Optima Secure Plus

Covered all Advanced/Modern treatments

ICU Charges

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

VS

Optima Secure Plus

No restriction on ICU room rent.

Co-payment

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

VS

Optima Secure Plus

No Mandatory Co-payment

Disease-wise sublimits

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

Optima Secure Plus

No

Cashless Healthcare Providers

Complete Health Insurance Health Shield

10,896+ hospitals across India.

VS

Optima Secure Plus

16000+ Healthcare Providers

Restoration Benefit

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

VS

Optima Secure Plus

Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses.

Daycare Treatment

Complete Health Insurance Health Shield

Covered under the policy. 

VS

Optima Secure Plus

Covered up to Sum Insured

Cumulative Bonus

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

VS

Optima Secure Plus

Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely).

AYUSH Treatment

Complete Health Insurance Health Shield

Covered under this policy

VS

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

Consumable Cover

Complete Health Insurance Health Shield



VS

Optima Secure Plus

Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

Initial Waiting Period

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Optima Secure Plus

30 Days


Specific Waiting Period

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

VS

Optima Secure Plus

2 years

PED Waiting Period

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

VS

Optima Secure Plus

3 years

Modern Treatment

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

VS

Optima Secure Plus

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

Annual Health Checkup

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

VS

Optima Secure Plus

Health check-up is available after the first policy year

Pre-Hospitalisation

Complete Health Insurance Health Shield

Up to 30 days.

VS

Optima Secure Plus

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

Post-Hospitalisation

Complete Health Insurance Health Shield

Up to 60 days.

VS

Optima Secure Plus

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

VS

Optima Secure Plus

Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits.

Deductible Option

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

VS

Optima Secure Plus

Available as an option.

Coverage Options

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

VS

Optima Secure Plus

Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

Claim Settlement Ratio

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

VS

Optima Secure Plus

Information Unavailable

Maternity Cover

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

VS

Optima Secure Plus

No. However, available as an add-on

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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

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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

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  • 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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