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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs ManipalCigna Sarvah Pratham

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

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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

VS
ManipalCigna

Sarvah Pratham

Comprehensive health insurance with high sum insured options and flexible add-on benefits

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • 1. Individuals who prefer flexible deductible and voluntary co-payment options.

  • Customers looking for optional benefits such as Restoration, Gullak and Sarathi.

  • People who want benefits such as AYUSH treatment and pre- and post-hospitalisation coverage.

  • Customers looking for coverage options ranging from ₹5 lakh to ₹3 crore.

  • Individuals and families looking for high sum insured options, broad hospitalisation coverage and optional benefits such as unlimited restoration and guaranteed cumulative bonus

Insurance Plans Comparison

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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

ManipalCigna Sarvah Pratham

  • Check the available benefits, limits and optional covers carefully before choosing the plan to make sure they match your healthcare needs.

  • Consider Sarvah Pratham if you prefer flexibility through deductible and voluntary co-payment options.

  • This plan may be suitable if you want the option to add benefits such as Restoration, Gullak and Sarathi.

  • Consider this plan if you want hospitalisation coverage along with AYUSH treatment and pre- and post-hospitalisation benefits.

  • Consider Sarvah Pratham if you want coverage from ₹5 lakh to ₹3 crore with single private AC room coverage, AYUSH treatment, pre- and post-hospitalisation coverage, and the option to add benefits such as Restoration, Gullak and Sarathi. The plan also offers flexible deductible and voluntary co-payment options.

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
Sarvah Pratham
Sarvah Pratham

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Sarvah Pratham

Single Private AC Room under the base policy. ICU expenses are covered up to the Sum Insured.

ICU Charges

Optima Secure Plus

No restriction on ICU room rent.

VS

Sarvah Pratham

Covered up to the Sum Insured.

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Sarvah Pratham

Information Unavailable

Disease-wise sublimits

Optima Secure Plus

No

VS

Sarvah Pratham

Hospitalisation for Heart, Cancer, Stroke and Major Organ/Bone Marrow Transplant is covered up to the applicable Sum Insured. Listed Modern and Advanced Treatments are subject to the specific limits stated in the Policy Schedule.

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Sarvah Pratham

Optional Voluntary Co-payment of 10%, 20% or 30%. No zonal co-payment applies.

Restoration Benefit

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.

VS

Sarvah Pratham

Optional: Unlimited restoration of the Base Sum Insured for related and unrelated illnesses/injuries during the policy year.

Cashless Healthcare Providers

Optima Secure Plus

16000+ Healthcare Providers

VS

Sarvah Pratham

15,000+ cashless hospitals/network providers are currently advertised by ManipalCigna. The exact network is subject to change and should be checked through the insurer's locator.

Cumulative Bonus

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).

VS

Sarvah Pratham

Gullak – Optional: 100% of Base Sum Insured is added every policy year, up to a maximum of 1500% of the Base Sum Insured, irrespective of claims.

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible Day Care Treatment related to the specified illnesses.

AYUSH Treatment

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

VS

Sarvah Pratham

Covered up to the Sum Insured for eligible treatment related to the specified illnesses, subject to policy terms.

Consumable Cover

Optima Secure Plus

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

VS

Sarvah Pratham

Not included in the base cover. Optional: Coverage for Non-Medical Items and Durable Medical Equipment is available.

Initial Waiting Period

Optima Secure Plus

30 Days


VS

Sarvah Pratham

30 days, applicable under the standard waiting-period structure; accident claims are exempt.

Specific Waiting Period

Optima Secure Plus

2 years

VS

Sarvah Pratham

24 months for specified diseases/procedures, when the applicable Pratiksha optional cover is opted for.

PED Waiting Period

Optima Secure Plus

3 years

VS

Sarvah Pratham

36 months under the base policy. Sarathi/Sarathi 2.0 can provide reduction for specified declared and accepted PED-related conditions, subject to its terms.

Modern Treatment

Optima Secure Plus

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

VS

Sarvah Pratham

Covered for listed Modern and Advanced Treatments for the specified illnesses, subject to the applicable limits in the Policy Schedule.

Annual Health Checkup

Optima Secure Plus

Health check-up is available after the first policy year

VS

Sarvah Pratham

Available as an optional cover.

Pre-Hospitalisation

Optima Secure Plus

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

VS

Sarvah Pratham

Covered for 90 days immediately before hospitalisation, subject to the policy terms.

Post-Hospitalisation

Optima Secure Plus

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

VS

Sarvah Pratham

Covered for 180 days after discharge, subject to the policy terms.

Outpatient Department Cover (OPD Expense)

Optima Secure Plus

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

VS

Sarvah Pratham

Not covered under the base plan.

Deductible Option

Optima Secure Plus

Available as an option.

VS

Sarvah Pratham

Optional Aggregate Deductible: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Daily Deductible options are also available: ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per day.

Coverage Options

Optima Secure Plus

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

VS

Sarvah Pratham

Base Sum Insured options from ₹5 lakh to ₹3 crore.

Claim Settlement Ratio

Optima Secure Plus

Information Unavailable

VS

Sarvah Pratham

99.88% of claims settled within 3 months in FY 2024–25, based on the latest IRDAI-reported data. This is an insurer-level figure, not a Sarvah Pratham-specific ratio.

Maternity Cover

Optima Secure Plus

No. However, available as an add-on

VS

Sarvah Pratham

Not available under Sarvah Pratham.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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.

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