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Insurance Plans Comparison

Star Diabetes Safe Plan A 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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Star

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

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

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

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

Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

VS
Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
VS

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

ICU Charges

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

VS

Optima Secure Plus

No restriction on ICU room rent.

Advanced Treatments

Diabetes Safe Plan A

Information Unavailable

VS

Optima Secure Plus

Covered all Advanced/Modern treatments

Co-payment

Diabetes Safe Plan A

Not specified.

VS

Optima Secure Plus

No Mandatory Co-payment

Disease-wise sublimits

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

VS

Optima Secure Plus

No

Restoration Benefit

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

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.

Cashless Healthcare Providers

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

VS

Optima Secure Plus

16000+ Healthcare Providers

Cumulative Bonus

Diabetes Safe Plan A

Not specified.

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

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

VS

Optima Secure Plus

Covered up to Sum Insured

Consumable Cover

Diabetes Safe Plan A

Not specified.

VS

Optima Secure Plus

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

AYUSH Treatment

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

VS

Optima Secure Plus

Covered up to SI under hospitalisation benefit.

Initial Waiting Period

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
VS

Optima Secure Plus

30 Days


Specific Waiting Period

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

VS

Optima Secure Plus

2 years

PED Waiting Period

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

VS

Optima Secure Plus

3 years

Modern Treatment

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
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

Diabetes Safe Plan A

Not specified.

VS

Optima Secure Plus

Health check-up is available after the first policy year

Pre-Hospitalisation

Diabetes Safe Plan A

Up to 30 days before hospital admission.

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

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

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)

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

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

Diabetes Safe Plan A

Not specified.

VS

Optima Secure Plus

Available as an option.

Coverage Options

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

VS

Optima Secure Plus

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

Claim Settlement Ratio

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

VS

Optima Secure Plus

Information Unavailable

Maternity Cover

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

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

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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