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Insurance Plans Comparison

HDFC ERGO Optima Lite vs ICICI Lombard Health Elite

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

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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 Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

Insurance Plans Comparison

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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 Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

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 Elite
Health Elite

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 Elite

Information Unavailable

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 Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
ICU Charges

Optima Lite

Up to 2% of base sum insured per day.

VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Co-payment

Optima Lite

Not mentioned

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Disease-wise sublimits

Optima Lite

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

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Cashless Healthcare Providers

Optima Lite

16,000+ Cashless Healthcare Providers

VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

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 Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Daycare Treatment

Optima Lite

Covered up to Sum Insured

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Cumulative Bonus

Optima Lite

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

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Optima Lite

Covered up to Sum Insured

VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Consumable Cover

Optima Lite

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

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Initial Waiting Period

Optima Lite

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

VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Optima Lite

2 years for specified illnesses and procedures.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Optima Lite

Not verified; confirm against the applicable policy wording.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Optima Lite

Information Unavailable

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Optima Lite

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

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Optima Lite

30 days for eligible expenses.

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Optima Lite

60 days for eligible expenses.

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

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 Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Optima Lite

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

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Optima Lite

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

VS

Health Elite

Information Unavailable

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 Elite

FY 24-25: ~84%

Maternity Cover

Optima Lite

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

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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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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