Compare Optima Secure vs Elevate

15000+ Healthcare Providers

10300+ Healthcare Providers

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

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

30 days

30 days

Yes, your sum insured restores to 100% once every policy year

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

3 years

3 years

No

No 

Yes

No. However, available as an add-on

2 years

2 years

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

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included as part of base cover. However, available as an add-on

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

95%

88.50%

All room categories are covered

Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

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

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

Not available

Available as an option

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

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

Your sum insured increases by 50% every year, maximum up to 300%

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

Health check-up is available after the first policy year

Health checkup is not included as part of base cover. However, available as an add-on

Available as an option

Not available

No. However, available as an add-on

No. However, available as an add-on

No restriction on ICU room rent

No restriction on ICU room rent