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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs ICICI Lombard Elevate

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
ICICI Lombard

What Makes It Special:

ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...

Best For:

  • Comprehensive All-Round Protection

  • Global Health Insurance Coverage

  • Advanced Critical Illness Cover

  • Tech-Enabled Seamless Support

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

ICICI Lombard Elevate

  • You want global and all-round health coverage

  • You need CIBIL discount on good credit score

  • You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1

  • You need a good customer app which has a simplified claims experience

  • You need unlimited sum insured restoration benefits and high cumulative bonus

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
Elevate
Elevate

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure Plus

Normal: Room Rent at Actuals

ICU: Covered at Actuals

VS

Elevate

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

(Option to modify room category)

Advanced Treatments

Optima Secure Plus

Covered all Advanced/Modern treatments

VS

Elevate

Not Available

ICU Charges

Optima Secure Plus

Not Available

VS

Elevate

No restriction on ICU room rent

Co-payment

Optima Secure Plus

No Mandatory Co-payment

VS

Elevate

Available as an option


Disease-wise sublimits

Optima Secure Plus

Not Available

VS

Elevate

No

Waiting Period

Optima Secure Plus

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 36 Months

VS

Elevate

Not Available

Cashless Healthcare Providers

Optima Secure Plus

~16,000 Cashless Healthcare Providers

VS

Elevate

10300+ Healthcare Providers

Restoration Benefit

Optima Secure Plus

Not Available

VS

Elevate

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

(per claim in a policy year for related/unrelated illnesses)

Daycare Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Elevate

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

Cumulative Bonus

Optima Secure Plus

Not Available

VS

Elevate

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.

(Option to boost coverage by 1x annually)

AYUSH Treatment

Optima Secure Plus

Covered up to Sum Insured

VS

Elevate

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


Consumable Cover

Optima Secure Plus

Not Available

VS

Elevate

No. However, available as an add-on

Initial Waiting Period

Optima Secure Plus

Not Available

VS

Elevate

30 days

Specific Waiting Period

Optima Secure Plus

Not Available

VS

Elevate

2 years

PED Waiting Period

Optima Secure Plus

Not Available

VS

Elevate

3 years

Modern Treatment

Optima Secure Plus

Not Available

VS

Elevate

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

Elevate

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

Pre-Hospitalisation

Optima Secure Plus

Not Available

VS

Elevate

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

Post-Hospitalisation

Optima Secure Plus

Not Available

VS

Elevate

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


Outpatient Department Cover (OPD Expense)

Optima Secure Plus

Not Available

VS

Elevate

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

Deductible Option

Optima Secure Plus

Not Available

VS

Elevate

Not available

Coverage Options

Optima Secure Plus

Not Available

VS

Elevate

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


Claim Settlement Ratio

Optima Secure Plus

Not Available

VS

Elevate

97.16%

Maternity Cover

Optima Secure Plus

Not Available

VS

Elevate

No. However, available as an add-on.


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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