Oneassure

Partner with us

Insurance Plans Comparison

HDFC ERGO Optima Lite vs ICICI Lombard Health AdvantEdge Plus

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

Read more
HDFC ERGO

Optima Lite

Restore your sum insured unlimited times for the same or a different illness, add 10% of the base sum insured every year even after a claim, up to 100%, and cap room rent at 1% a day.

What Makes It Special:

HDFC ERGO Optima Lite is a health insurance plan with ₹5 lakh and ₹7.5 lakh base sum-insured options, unlimited automatic restoration, cumulative bonus and preventive health check-ups. It also offers optional benefits such as an aggregate deductible, Protect Benefit and Plus Benefit, allowing customers to adjust coverage and premiums according...

Best For:

  • Policyholders who want the flexibility to add non-medical expense coverage or increase their cover through optional benefits.

  • Customers looking to manage premiums through an optional aggregate deductible.

  • Buyers who value repeated restoration of the base sum insured for subsequent admissible claims.

  • Families considering individual or family floater coverage under one policy.

  • Individuals seeking a base health cover of ₹5 lakh or ₹7.5 lakh.

VS
ICICI Lombard

Health AdvantEdge Plus

Cover pre-existing diseases with no waiting period, reset the sum insured unlimited times for any illness after the first claim, once only at ₹5 lakh or seven-and-a-half lakh, and keep a 20% cumulative bonus up to 100% after a claim.

What Makes It Special:

The Royal Plus Plan under ICICI Lombard Health AdvantEdge offers sum insured options from ₹5 lakh to ₹3 crore, along with eligible hospitalisation, daycare, AYUSH, home care and pre- and post-hospitalisation benefits. Its distinguishing features include a guaranteed cumulative bonus, reset benefit, and Claim Protector at specified sum insured levels....

Best For:

  • Buyers who want to compare higher sum insured options and additional benefits against their budget and coverage needs.

  • Families considering optional maternity-related benefits, subject to eligibility and waiting periods.

  • People looking for a cumulative bonus that can increase cover over eligible claim-free periods.

  • Buyers who value a restore benefit for eligible subsequent claims in the same policy year.

  • People seeking cover for eligible hospitalisation and day-care treatment expenses.

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 Lite

  • Check whether Protect Benefit or Plus Benefit is selected, because these optional benefits are not automatically included in every policy.

  • Consider the aggregate deductible only if you can afford to pay the selected deductible amount when making claims.

  • Review the waiting periods and confirm the applicable PED terms against your medical history before purchasing.

  • Check the 1% room-rent and 2% ICU daily limits before choosing the plan, as exceeding the applicable limits may result in proportionate deductions.

  • Compare the ₹5 lakh and ₹7.5 lakh base options against your expected hospitalisation costs and financial capacity.

ICICI Lombard Health AdvantEdge Plus

  • Compare the cost and waiting conditions of optional maternity and non-medical-expense benefits before adding them.

  • Check the restore benefit's trigger and restrictions rather than assuming it can pay every subsequent claim.

  • Confirm whether the selected sum insured and policy version provide the room category and ICU cover you expect.

  • Review the 2-year PED waiting period and disclose all existing medical conditions when applying.

  • Check the UIN and policy schedule before purchase because the publicly available Apex Plus material is historical.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Lite
Optima Lite

Health Insurance Plan

Brochure

Policy Wording

VS
Health AdvantEdge Plus
Health AdvantEdge Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Lite

Normal: Up to 1% of Base Sum Insured per day

ICU: Up to 2% of Base Sum Insured per day

VS

Health AdvantEdge Plus

  1. Normal: No Limit 
  2. ICU: No Limit 

    If the sum insured health insurance policy is Rs.5 Lakh or above.

Advanced Treatments

Optima Lite

Robotic Surgeries

Oral Chemotherapy

Deep Brain Stimulation

Balloon Sinuplasty

Bronchial Thermoplasty

Stereotactic Radio Surgeries

Intra Vitreal Injections

Immunotherapy

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Stem Cell Therapy

VS

Health AdvantEdge Plus

  1. Oral Chemotherapy 
  2.  Robotic Surgeries 
  3. Stem Cell Therapy 
ICU Charges

Optima Lite

Up to 2% of base sum insured per day.

VS

Health AdvantEdge Plus

Up to sum insured for Apex Plus, subject to the applicable wording.

Co-payment

Optima Lite

Not mentioned

VS

Health AdvantEdge Plus

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

Optima Lite

Not verified for all listed treatments; refer to the applicable policy wording.

VS

Health AdvantEdge Plus

Certain benefits have specific limits, including ambulance, animal-bite vaccination, bariatric surgery and home-care treatment. Other limits depend on the policy terms.

Cashless Healthcare Providers

Optima Lite

16,000+ Cashless Healthcare Providers

VS

Health AdvantEdge Plus

10,000+ Healthcare Providers across India 

Restoration Benefit

Optima Lite

Unlimited automatic restoration of up to 100% of base sum insured for subsequent claims during the policy year, subject to conditions.

VS

Health AdvantEdge Plus

Information Unavailable

Daycare Treatment

Optima Lite

Covered up to Sum Insured

VS

Health AdvantEdge Plus

Covered. Requires hospitalization of more than 24 Hours.

Cumulative Bonus

Optima Lite

10% of base sum insured per policy year, up to 100%, irrespective of claims.

VS

Health AdvantEdge Plus

Guaranteed cumulative bonus: 20% of sum insured, up to 100%, under the historical Apex Plus brochure.

AYUSH Treatment

Optima Lite

Covered up to Sum Insured

VS

Health AdvantEdge Plus

AYUSH is covered up to Sum Insured.

Consumable Cover

Optima Lite

Optional Protect Benefit covers listed non-medical expenses and consumables.

VS

Health AdvantEdge Plus

Listed non-medical expenses may require the optional Claim Protector benefit; verify the applicable schedule.

Initial Waiting Period

Optima Lite

30 days for illnesses; eligible accidental injury claims are exempt.

VS

Health AdvantEdge Plus

30 days for illnesses; accidental hospitalisation exempt.

Specific Waiting Period

Optima Lite

2 years for specified illnesses and procedures.

VS

Health AdvantEdge Plus

2 years for specified diseases and procedures, subject to the policy wording.

PED Waiting Period

Optima Lite

Not verified; confirm against the applicable policy wording.

VS

Health AdvantEdge Plus

2 years, subject to disclosure and acceptance by the insurer.

Modern Treatment

Optima Lite

Information Unavailable

VS

Health AdvantEdge Plus

Covered up to sum insured, subject to policy terms and exclusions.

Annual Health Checkup

Optima Lite

Available annually after the first policy year; limit depends on policy type.

VS

Health AdvantEdge Plus

Annual benefit from the first year; historical brochure specifies up to 0.5% of sum insured, capped at ₹10,000, on a cashless basis.

Pre-Hospitalisation

Optima Lite

30 days for eligible expenses.

VS

Health AdvantEdge Plus



Post-Hospitalisation

Optima Lite

60 days for eligible expenses.

VS

Health AdvantEdge Plus

Up to 180 days under the historical Apex Plus brochure.

Outpatient Department Cover (OPD Expense)

Optima Lite

Optima Wellbeing add-on offers OPD-related services in select cities; not a standard base-plan benefit.

VS

Health AdvantEdge Plus

General OPD cover not verified. Teleconsultations are listed in the historical brochure as an included value-added service.

Deductible Option

Optima Lite

Optional aggregate deductible of ₹10,000, ₹25,000 or ₹50,000; premium discount may be available.

VS

Health AdvantEdge Plus

Not verified for this variant.

Coverage Options

Optima Lite

₹5 lakh or ₹7.5 lakh base sum insured; individual or family floater.

VS

Health AdvantEdge Plus

Individual/family cover; historical Apex Plus brochure also lists worldwide cover for sum insured of ₹25 lakh and above. Confirm current availability and conditions.

Claim Settlement Ratio

Optima Lite

Not verified using the latest comparable insurer-level CSR metric. Do not substitute older marketing figures or a different claims metric.

VS

Health AdvantEdge Plus

FY 24-25: ~84%

Maternity Cover

Optima Lite

Covered up to the applicable sum insured, subject to policy terms and exclusions.

VS

Health AdvantEdge Plus

Optional; historical brochure specifies 10% of base sum insured, capped at ₹10 lakh, for up to 3 deliveries. Waiting periods and eligibility must be checked in the applicable wording.

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

Compare With Other Health Insurance Plans

Optima Lite vs Supreme Senior Premium

Optima Lite vs Energy Silver Without Copay

Optima Lite vs Ultimate

Optima Lite vs EquiCover

Optima Lite vs Optima Secure Global Plus

Health AdvantEdge Plus vs Supreme Senior Premium

Health AdvantEdge Plus vs Energy Silver Without Copay

Health AdvantEdge Plus vs Ultimate

Health AdvantEdge Plus vs EquiCover

Health AdvantEdge Plus vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Optima Lite Vs Health Advantedge Plus

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.