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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs Star Star Women Care Policy

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

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HDFC ERGO

What Makes It Special:

HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

VS
Star

What Makes It Special:

Star Women Care Policy focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

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

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

Star Star Women Care Policy

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

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
Star Women Care Policy
Star Women Care Policy

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Star Women Care Policy

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Star Women Care Policy

Not Available

ICU Charges

Optima Secure Plus

Not Available

VS

Star Women Care Policy

No restriction on ICU room rent

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Star Women Care Policy

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

Disease-wise sublimits

Optima Secure Plus

Not Available

VS

Star Women Care Policy

No

Waiting Period

Optima Secure Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

VS

Star Women Care Policy

Not Available

Cashless Healthcare Providers

Optima Secure Plus

~16,000 Cashless Healthcare Providers

VS

Star Women Care Policy

13000+ Healthcare Providers

Restoration Benefit

Optima Secure Plus

Not Available

VS

Star Women Care Policy

100% once after full/partial utilization in a year

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Star Women Care Policy

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Optima Secure Plus

Not Available

VS

Star Women Care Policy

20% each year, up to 100%

AYUSH Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Star Women Care Policy

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Optima Secure Plus

Not Available

VS

Star Women Care Policy

Yes

Initial Waiting Period

Optima Secure Plus

Not Available

VS

Star Women Care Policy

30 days.

Specific Waiting Period

Optima Secure Plus

Not Available

VS

Star Women Care Policy

2 years

PED Waiting Period

Optima Secure Plus

Not Available

VS

Star Women Care Policy

3 years

Modern Treatment

Optima Secure Plus

Not Available

VS

Star Women Care Policy

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

Annual Health Checkup

Optima Secure Plus

Not Available

VS

Star Women Care Policy

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Optima Secure Plus

Not Available

VS

Star Women Care Policy

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

Post-Hospitalisation

Optima Secure Plus

Not Available

VS

Star Women Care Policy

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Optima Secure Plus

Not Available

VS

Star Women Care Policy

OPD is available

Deductible Option

Optima Secure Plus

Not Available

VS

Star Women Care Policy

Not Available

Coverage Options

Optima Secure Plus

Not Available

VS

Star Women Care Policy

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr

Claim Settlement Ratio

Optima Secure Plus

Not Available

VS

Star Women Care Policy

82.31%

Maternity Cover

Optima Secure Plus

Not Available

VS

Star Women Care Policy

Available

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.

Why Choose Our Expert Consultation?

End-to-End Support

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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

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.

1-5 of 10 FAQs

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