Insurance Plans Comparison
HDFC ERGO Optima Secure Plus vs TATA AIG Medicare LITE
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat 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
Medicare LITE
Medicare LITE
What Makes It Special:
Affordable health insurance with comprehensive hospitalisation coverage
Best For:
Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.
Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.
Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.
Families looking for Individual or Family Floater health insurance coverage.
Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.
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
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
Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.
If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.
MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.
The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.
Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
 Optima Secure Plus Health Insurance Plan VS VS |
Medicare LITE Health Insurance Plan |
| Room Rent |
|---|
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
VS VS |
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
| ICU Charges |
|---|
Optima Secure Plus No restriction on ICU room rent. |
VS VS |
Medicare LITE Information Unavailable |
| Advanced Treatments |
|---|
Optima Secure Plus Covered all Advanced/Modern treatments |
VS VS |
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
| Disease-wise sublimits |
|---|
Optima Secure Plus No |
VS VS |
Medicare LITE No specific disease-wise sublimit specified |
| Co-payment |
|---|
Optima Secure Plus No Mandatory Co-payment |
VS VS |
Medicare LITE 20% co-payment if entry age is 61 years or above at first coverage 30% co-payment for treatment outside the "Valued Provider – Pan India" network |
| Waiting Period |
|---|
Optima Secure Plus Information Unavailable |
VS VS |
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
| 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 VS |
Medicare LITE 100% of Sum Insured restored once during the policy year |
| Cashless Healthcare Providers |
|---|
Optima Secure Plus 16000+ Healthcare Providers |
VS VS |
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
| 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 VS |
Medicare LITE Information Unavailable |
| Daycare Treatment |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
Medicare LITE Covered up to Sum Insured |
| AYUSH Treatment |
|---|
Optima Secure Plus Covered up to SI under hospitalisation benefit. |
VS VS |
Medicare LITE Covered up to Sum Insured |
| Consumable Cover |
|---|
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions. |
VS VS |
Medicare LITE Information Unavailable |
| Initial Waiting Period |
|---|
Optima Secure Plus 30 Days |
VS VS |
Medicare LITE Information Unavailable |
| Specific Waiting Period |
|---|
Optima Secure Plus 2 years |
VS VS |
Medicare LITE Information Unavailable |
| PED Waiting Period |
|---|
Optima Secure Plus 3 years |
VS VS |
Medicare LITE Information Unavailable |
| Modern Treatment |
|---|
Optima Secure Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period. |
VS VS |
Medicare LITE Information Unavailable |
| Annual Health Checkup |
|---|
Optima Secure Plus Health check-up is available after the first policy year |
VS VS |
Medicare LITE Information Unavailable |
| 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 VS |
Medicare LITE Covered up to 60 days before hospitalisation |
| 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 VS |
Medicare LITE Covered up to 180 days after hospitalisation |
| 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 VS |
Medicare LITE Not covered |
| Deductible Option |
|---|
Optima Secure Plus Available as an option. |
VS VS |
Medicare LITE Not specified |
| Coverage Options |
|---|
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹2 Cr |
VS VS |
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
| Claim Settlement Ratio |
|---|
Optima Secure Plus Information Unavailable |
VS VS |
Medicare LITE Not specified in the product prospectus |
| Maternity Cover |
|---|
Optima Secure Plus No. However, available as an add-on |
VS VS |
Medicare LITE Not covered |
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.
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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
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Insurance Plans Comparison
Explore Insurance Category
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Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
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Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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