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Insurance Plans Comparison

HDFC ERGO Optima Secure vs ICICI Lombard Elevate (Direct)

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

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HDFC ERGO

Optima Secure

Get up to 4X coverage with built-in benefits that increase your cover, restore your sum insured and protect you against specified non-medical hospital expenses.

What Makes It Special:

HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...

Best For:

  • Comprehensive Family Health Insurance

  • Multi-Benefit Medical Protection Plan

  • Coverage with Automatic Sum Boost

  • Restoration-enabled Secure Health Policy

VS
ICICI Lombard

Elevate (Direct)

Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.

What Makes It Special:

ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...

Best For:

  • Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.

  • Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.

  • Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.

  • Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.

  • Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.

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

  • Coverage growth with Secure and Plus Benefits

  • Automatic sum insured restoration after claims

  • No room-rent or ICU restrictions

  • Annual health check-ups and preventive care

  • Long-term loyalty rewards and discounts

ICICI Lombard Elevate (Direct)

  • Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.

  • Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.

  • Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.

  • Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.

  • Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure
Optima Secure

Health Insurance Plan

Brochure

Policy Wording

VS
Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure

All room categories are covered

VS

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

ICU Charges

Optima Secure

No restriction on ICU room rent

VS

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

Co-payment

Optima Secure

Not available

VS

Elevate (Direct)

Voluntary co-payment available as optional cover.

Disease-wise sublimits

Optima Secure

No

VS

Elevate (Direct)

Not Available.

Restoration Benefit

Optima Secure

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

VS

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

Cashless Healthcare Providers

Optima Secure

16000+ Healthcare Providers

VS

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

Daycare Treatment

Optima Secure

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

VS

Elevate (Direct)

Eligible day-care procedures covered under base plan.

Cumulative Bonus

Optima Secure

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

VS

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

AYUSH Treatment

Optima Secure

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

VS

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

Consumable Cover

Optima Secure

Yes

VS

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

Initial Waiting Period

Optima Secure

30 days

VS

Elevate (Direct)

30 days from policy start for specified illnesses.

Specific Waiting Period

Optima Secure

2 years

VS

Elevate (Direct)

24 months for specified diseases.

PED Waiting Period

Optima Secure

3 years

VS

Elevate (Direct)

36 months for pre-existing diseases.

Modern Treatment

Optima Secure

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

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Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

Annual Health Checkup

Optima Secure

Health check-up is available after the first policy year

VS

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

Pre-Hospitalisation

Optima Secure

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

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Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

Post-Hospitalisation

Optima Secure

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

VS

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

Outpatient Department Cover (OPD Expense)

Optima Secure

OPD expense is not included

VS

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

Deductible Option

Optima Secure

Available as an option

VS

Elevate (Direct)

Voluntary deductible available as optional cover.

Coverage Options

Optima Secure

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

VS

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

Claim Settlement Ratio

Optima Secure

98%

VS

Elevate (Direct)

Not publicly specified on official product page.

Maternity Cover

Optima Secure

Not in base plan; available as paid add-on.


VS

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

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.

1-5 of 10 FAQs

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