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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Health Insurance

Compare Health Insurance Plans

Health Companion Variant 3 Vs Optima Secure Plus

Insurance Plans Comparison

Niva Bupa Health Companion Variant 3 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 Variant 3

High-cover family health insurance from ₹15 Lakh to ₹1 Crore with any room (except suite), 20% No Claim Bonus and a yearly refill.

What Makes It Special:

A high Sum Insured version of Health Companion (₹15 Lakh to ₹1 Crore) with near-any-room eligibility, a 100% refill and the highest animal-bite vaccination and Hospital Cash limits among Variants 1 to 3.

Best For:

Existing Health Companion customers renewing on the Variant 3 structure
People wanting an optional deductible to reduce premium
Buyers who want a No Claim Bonus of 20% per claim-free year
People who want to choose almost any hospital room
Families wanting a high Sum Insured of ₹15 Lakh or more

VS

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 Variant 3

Things to Consider: Non-payable consumables in Annexure I are not covered, and no consumables add-on is listed for this variant.
Things to Consider: Maternity and OPD consultations are not covered.
Things to Consider: Refill cannot be used for the same illness in the same year.
Things to Consider: Pre-existing diseases are covered only after 36 months.
Things to Consider: Pre and post hospitalisation is limited to 30 and 60 days.
Reasons to Consider: Annual health check-up from the second year and animal-bite vaccination up to ₹7,500.
Reasons to Consider: 100% refill of Base Sum Insured once a year for a different illness.
Reasons to Consider: 20% No Claim Bonus per claim-free year, up to 100% of Base Sum Insured.
Reasons to Consider: Any room covered up to Sum Insured, except Suite or above.
Reasons to Consider: High Sum Insured options from ₹15 Lakh to ₹1 Crore.

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 Variant 3

Health Insurance Plan

Brochure

VS

Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Health Companion Variant 3 Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used	Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals

ICU Charges
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care	Optima Secure Plus No restriction on ICU room rent.

Advanced Treatments
Health Companion Variant 3 Information Unavailable	Optima Secure Plus Covered all Advanced/Modern treatments

Co-payment
Health Companion Variant 3 No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities	Optima Secure Plus No Mandatory Co-payment

Disease-wise sublimits
Health Companion Variant 3 No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash	Optima Secure Plus No

Cashless Healthcare Providers
Health Companion Variant 3 Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)	Optima Secure Plus 16000+ Healthcare Providers

Restoration Benefit
Health Companion Variant 3 Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)	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.

Cumulative Bonus
Health Companion Variant 3 No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim	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).

Daycare Treatment
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis	Optima Secure Plus Covered up to Sum Insured

Consumable Cover
Health Companion Variant 3 Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3	Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

AYUSH Treatment
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured	Optima Secure Plus Covered up to SI under hospitalisation benefit.

Initial Waiting Period
Health Companion Variant 3 30 Days (not applicable to accidents)	Optima Secure Plus 30 Days

Specific Waiting Period
Health Companion Variant 3 24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days	Optima Secure Plus 2 years

PED Waiting Period
Health Companion Variant 3 36 Months	Optima Secure Plus 3 years

Modern Treatment
Health Companion Variant 3 Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)	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 Variant 3 Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)	Optima Secure Plus Health check-up is available after the first policy year

Pre-Hospitalisation
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis)	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 Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis)	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 Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500	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 Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh	Optima Secure Plus Available as an option.

Coverage Options
Health Companion Variant 3 Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater	Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

Claim Settlement Ratio
Health Companion Variant 3 96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)	Optima Secure Plus Information Unavailable

Maternity Cover
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18)	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 Variant 3

Health Insurance Plan

Brochure

VS

Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Health Companion Variant 3 Covered up to Sum Insured, any room except Suite or above; proportionate deduction if a higher category is used
VS VS
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals

ICU Charges
Health Companion Variant 3 Covered up to Sum Insured as part of In-patient Care
VS VS
Optima Secure Plus No restriction on ICU room rent.

Advanced Treatments
Health Companion Variant 3 Information Unavailable
VS VS
Optima Secure Plus Covered all Advanced/Modern treatments

Co-payment
Health Companion Variant 3 No co-payment in base plan; 20% co-payment applies only under the legacy "Treatment only in Tiered Network" option (renewal customers who already chose it) for reimbursement treatment in 9 metro cities
VS VS
Optima Secure Plus No Mandatory Co-payment

Disease-wise sublimits
Health Companion Variant 3 No disease-wise sublimits stated; benefit limits apply to road ambulance (₹3,000), animal-bite vaccination (₹7,500) and Hospital Cash
VS VS
Optima Secure Plus No

Cashless Healthcare Providers
Health Companion Variant 3 Cashless at Niva Bupa network hospitals (10,000+ per Niva Bupa Annual Report FY 2024-25; Requires verification for current count)
VS VS
Optima Secure Plus 16000+ Healthcare Providers

Restoration Benefit
Health Companion Variant 3 Refill up to 100% of Base Sum Insured, once per policy year, for subsequent claims of a different illness only (after Base SI and NCB are exhausted)
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.

Cumulative Bonus
Health Companion Variant 3 No Claim Bonus of 20% of expiring Base Sum Insured per claim-free year, up to 100%; NCB is not increased in a year following a claim
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).

Daycare Treatment
Health Companion Variant 3 Day care treatments (less than 24 hours) covered up to Sum Insured, incl. chemotherapy, radiotherapy and dialysis
VS VS
Optima Secure Plus Covered up to Sum Insured

Consumable Cover
Health Companion Variant 3 Consumables directly part of treatment (IV fluids, injection administration, medicines) covered under In-patient Care; non-payable items in Annexure I List I not covered; no consumables add-on stated for Variant 3
VS VS
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions.

AYUSH Treatment
Health Companion Variant 3 In-patient Ayurveda, Unani, Siddha and Homeopathy in an AYUSH Hospital covered up to Sum Insured
VS VS
Optima Secure Plus Covered up to SI under hospitalisation benefit.

Initial Waiting Period
Health Companion Variant 3 30 Days (not applicable to accidents)
VS VS
Optima Secure Plus 30 Days

Specific Waiting Period
Health Companion Variant 3 24 Months for listed conditions (incl. cataract, hernia, joint disorders, chronic kidney disease, internal congenital anomaly); not applicable to accidents; cancer covered after 30 days
VS VS
Optima Secure Plus 2 years

PED Waiting Period
Health Companion Variant 3 36 Months
VS VS
Optima Secure Plus 3 years

Modern Treatment
Health Companion Variant 3 Covered up to Sum Insured (12 listed treatments incl. robotic surgery, oral chemotherapy, deep brain stimulation, stem cell therapy for haematological conditions)
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 Variant 3 Annual, from 2nd policy year (on renewal), for insured aged 18+; cashless at empanelled providers; defined test list (CBC, urine, ESR, HbA1c, cholesterol, HDL, LDL, urea, KFT)
VS VS
Optima Secure Plus Health check-up is available after the first policy year

Pre-Hospitalisation
Health Companion Variant 3 Up to 30 Days, covered up to Sum Insured (reimbursement basis)
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 Variant 3 Up to 60 Days, covered up to Sum Insured (reimbursement basis)
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 Variant 3 Not covered; only OPD vaccination after an animal bite, up to ₹7,500
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 Variant 3 Optional Annual Aggregate Deductible of ₹1 / 2 / 3 / 4 / 5 / 10 Lakh
VS VS
Optima Secure Plus Available as an option.

Coverage Options
Health Companion Variant 3 Base Sum Insured ₹15 Lakh, 20 Lakh, 30 Lakh, 50 Lakh, 1 Crore; Individual or Family Floater
VS VS
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr

Claim Settlement Ratio
Health Companion Variant 3 96.7% of claims settled (by number) for Health Companion in FY 2025-26 (all Health Companion UINs reported together). Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)
VS VS
Optima Secure Plus Information Unavailable

Maternity Cover
Health Companion Variant 3 Not covered (Maternity excluded, Code Excl18)
VS VS
Optima Secure Plus No. However, available as an add-on

Insurance Plans Comparison

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

End-to-End Support

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

Zero Spam. Zero Hassle

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

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Insurance Plans Comparison

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

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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Optima Secure Plus vs Smart Health Pro

Optima Secure Plus vs Medi Classic Gold

Optima Secure Plus vs Optima Super Secure

Optima Secure Plus vs Special Care

Optima Secure Plus vs Medicare LITE

Optima Secure Plus vs Health Shield 360

Optima Secure Plus vs SecureHealth

Optima Secure Plus vs Supreme (Direct)

Optima Secure Plus vs Plus

Optima Secure Plus vs Mediclaim Insurance Policy

Optima Secure Plus vs Medicare Select

Optima Secure Plus vs Health Gain

Optima Secure Plus vs myHealth Koti Suraksha

Optima Secure Plus vs Senior

Optima Secure Plus vs myHealth Suraksha Silver

Optima Secure Plus vs Cardiac Care Platinum

Optima Secure Plus vs Royal Sundaram Lifeline Elite

Optima Secure Plus vs Super Surplus Gold

Optima Secure Plus vs Supreme Enhance One

Optima Secure Plus vs Supreme Enhance Two

Optima Secure Plus vs HeartBeat Platinum

Optima Secure Plus vs HeartBeat Gold

Optima Secure Plus vs Health SuperCharge

Optima Secure Plus vs Aspire Titanium+

Optima Secure Plus vs iHealth Plus

Optima Secure Plus vs ProHealth Prime Advantage

Optima Secure Plus vs Active Fit Preferred

Optima Secure Plus vs Reassure 3.0 Classic

Optima Secure Plus vs Senior Health Advantage

Optima Secure Plus vs Health Wallet

Optima Secure Plus vs Elevate

Optima Secure Plus vs Heart

Optima Secure Plus vs LifeTime Health

Optima Secure Plus vs Reassure 2.0 Titanium+

Optima Secure Plus vs ProHealth Prime Active

Optima Secure Plus vs ProHealth Prime Senior Elite

Optima Secure Plus vs Advanced Top Up

Optima Secure Plus vs Multiplier Health

Optima Secure Plus vs Diabetes Safe Plan A

Optima Secure Plus vs Reassure 2.0 Bronze+

Optima Secure Plus vs Enhance Super Top-up

Optima Secure Plus vs Young Star Silver

Optima Secure Plus vs Star Women Care Policy

Optima Secure Plus vs Joy

Optima Secure Plus vs Supreme Senior Health AdvantEdge

Optima Secure Plus vs Family Plus

Optima Secure Plus vs Criti Shield Plus

Optima Secure Plus vs Health Care Supreme Ultimo

Optima Secure Plus vs Health Shield 360 Retail

Optima Secure Plus vs Super Star

Optima Secure Plus vs Supreme Super Saver

Optima Secure Plus vs Senior First Platinum

Optima Secure Plus vs Optima Secure Global

Optima Secure Plus vs NextGen

Optima Secure Plus vs Health Insurance Platinum

Optima Secure Plus vs Energy Silver With Copay

Optima Secure Plus vs Optima Secure

Optima Secure Plus vs Super Mediclaim

Optima Secure Plus vs Health Recharge

Optima Secure Plus vs Cancer Cover Activ Cancer Secure Plan

Optima Secure Plus vs Women Care

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