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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs TATA AIG Medicare Premier Plan

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

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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
TATA AIG

Medicare Premier Plan

Medicare Premier Plan

What Makes It Special:

Medicare Premier focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

VS
Medicare Premier Plan
Medicare Premier Plan

Health Insurance Plan

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Medicare Premier Plan

  1. Normal:  No Limit

     

  2. ICU: No Limit
ICU Charges

Optima Secure Plus

No restriction on ICU room rent.

VS

Medicare Premier Plan

Not Available

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Medicare Premier Plan

Covers modern medical procedures, including, Robotic surgeries and Stem cell therapy up to the sum insured.

Disease-wise sublimits

Optima Secure Plus

No

VS

Medicare Premier Plan

Not Available

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Medicare Premier Plan

No co-payment required; the insurer covers the full admissible claim amount. 

Waiting Period

Optima Secure Plus

Not Available

VS

Medicare Premier Plan

  1. Pre-existing Diseases: Covered after a 36-month waiting period.

     

  2. Specific Diseases & Treatments: Certain conditions have a 24-month waiting period.

     

  3. Initial Waiting Period: A 30-day waiting period applies for non-accident-related hospitalizations
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

Medicare Premier Plan

Not Available

Cashless Healthcare Providers

Optima Secure Plus

16000+ Healthcare Providers

VS

Medicare Premier Plan

Access to over 8,000 network hospitals across India for cashless treatment.

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

Medicare Premier Plan

Not Available

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Medicare Premier Plan

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.

Consumable Cover

Optima Secure Plus

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

VS

Medicare Premier Plan

Not Available

AYUSH Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Medicare Premier Plan

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to the sum insured, offering alternative healthcare options.

Initial Waiting Period

Optima Secure Plus

30 Days


VS

Medicare Premier Plan

Not Available

Specific Waiting Period

Optima Secure Plus

2 years

VS

Medicare Premier Plan

Not Available

PED Waiting Period

Optima Secure Plus

3 years

VS

Medicare Premier Plan

Not Available

Modern Treatment

Optima Secure Plus

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

VS

Medicare Premier Plan

Not Available

Annual Health Checkup

Optima Secure Plus

Health check-up is available after the first policy year

VS

Medicare Premier Plan

Not Available

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

Medicare Premier Plan

Not Available

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

Medicare Premier Plan

Not Available

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

Medicare Premier Plan

Not Available

Deductible Option

Optima Secure Plus

Available as an option.

VS

Medicare Premier Plan

Not Available

Coverage Options

Optima Secure Plus

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

VS

Medicare Premier Plan

Not Available

Maternity Cover

Optima Secure Plus

No. However, available as an add-on

VS

Medicare Premier Plan

Not 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

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

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