How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Compare Health Insurance Plans

Health Companion Family First Plan Vs Optima Secure Plus

Insurance Plans Comparison

Niva Bupa Health Companion Family First Plan vs HDFC ERGO Optima Secure Plus

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

Buyers who do not need maternity or OPD cover
Buyers who need hospitalisation, day care and AYUSH cover
Families with a parent covered alongside the insured
Buyers who want a no-claim bonus that builds to 100%
Families who want a floater with a refill benefit

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.

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Quick Decision Guide

Niva Bupa Health Companion Family First Plan

Children are split off to their own policy after 26.
The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.
Refill applies once a year, so it is not unlimited cover.
Maternity is excluded, so choose another plan if you plan a pregnancy.
The 36-month PED wait applies, so buy early if anyone has an existing condition.

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

Health Companion Family First Plan

Health Insurance Plan

Brochure

Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Health Companion Family First Plan Normal: Covered up to sum insured ICU: Covered up to sum insured.	Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals

Advanced Treatments
Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).	Optima Secure Plus Covered all Advanced/Modern treatments

ICU Charges
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care	Optima Secure Plus No restriction on ICU room rent.

Co-payment
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.	Optima Secure Plus No Mandatory Co-payment

Disease-wise sublimits
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.	Optima Secure Plus No

Cashless Healthcare Providers
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.	Optima Secure Plus 16000+ Healthcare Providers

Restoration Benefit
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim	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
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.	Optima Secure Plus Covered up to Sum Insured

Cumulative Bonus
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the 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).

AYUSH Treatment
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.	Optima Secure Plus Covered up to SI under hospitalisation benefit.

Consumable Cover
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.	Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

Initial Waiting Period
Health Companion Family First Plan 30 days, except accidents	Optima Secure Plus 30 Days

Specific Waiting Period
Health Companion Family First Plan 24 months for listed conditions	Optima Secure Plus 2 years

PED Waiting Period
Health Companion Family First Plan 36 months.	Optima Secure Plus 3 years

Modern Treatment
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.	Optima Secure Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period.

Annual Health Checkup
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.	Optima Secure Plus Health check-up is available after the first policy year

Pre-Hospitalisation
Health Companion Family First Plan 60 days before admission, up to the sum insured	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
Health Companion Family First Plan 180 days after discharge, up to the sum insured	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)
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.	Optima Secure Plus Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits.

Deductible Option
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.	Optima Secure Plus Available as an option.

Coverage Options
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible	Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

Claim Settlement Ratio
Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).	Optima Secure Plus Information Unavailable

Maternity Cover
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.	Optima Secure Plus No. However, available as an add-on

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Family First Plan

Health Insurance Plan

Brochure

Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Health Companion Family First Plan Normal: Covered up to sum insured ICU: Covered up to sum insured.
VS VS
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals

Advanced Treatments
Health Companion Family First Plan Robotic surgeries Stem cell therapy Oral chemotherapy Deep brain stimulation Bronchial thermoplasty Intraoperative neuro monitoring (IONM).
VS VS
Optima Secure Plus Covered all Advanced/Modern treatments

ICU Charges
Health Companion Family First Plan Covered up to the sum insured as part of in-patient care
VS VS
Optima Secure Plus No restriction on ICU room rent.

Co-payment
Health Companion Family First Plan The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.
VS VS
Optima Secure Plus No Mandatory Co-payment

Disease-wise sublimits
Health Companion Family First Plan No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.
VS VS
Optima Secure Plus No

Cashless Healthcare Providers
Health Companion Family First Plan Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.
VS VS
Optima Secure Plus 16000+ Healthcare Providers

Restoration Benefit
Health Companion Family First Plan Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim
VS 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
Health Companion Family First Plan Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.
VS VS
Optima Secure Plus Covered up to Sum Insured

Cumulative Bonus
Health Companion Family First Plan No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.
VS 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
Health Companion Family First Plan Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.
VS VS
Optima Secure Plus Covered up to SI under hospitalisation benefit.

Consumable Cover
Health Companion Family First Plan Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.
VS VS
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

Initial Waiting Period
Health Companion Family First Plan 30 days, except accidents
VS VS
Optima Secure Plus 30 Days

Specific Waiting Period
Health Companion Family First Plan 24 months for listed conditions
VS VS
Optima Secure Plus 2 years

PED Waiting Period
Health Companion Family First Plan 36 months.
VS VS
Optima Secure Plus 3 years

Modern Treatment
Health Companion Family First Plan Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.
VS 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
Health Companion Family First Plan Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.
VS VS
Optima Secure Plus Health check-up is available after the first policy year

Pre-Hospitalisation
Health Companion Family First Plan 60 days before admission, up to the sum insured
VS 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
Health Companion Family First Plan 180 days after discharge, up to the sum insured
VS 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)
Health Companion Family First Plan Not covered. OPD treatment is an excluded expense.
VS 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
Health Companion Family First Plan Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.
VS VS
Optima Secure Plus Available as an option.

Coverage Options
Health Companion Family First Plan Individual or floater, with optional hospital cash, personal accident and deductible
VS VS
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

Claim Settlement Ratio
Health Companion Family First Plan Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).
VS VS
Optima Secure Plus Information Unavailable

Maternity Cover
Health Companion Family First Plan Not covered. Maternity expenses are an excluded expense.
VS VS
Optima Secure Plus No. However, available as an add-on

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.

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

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Insurance Plans Comparison

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