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Insurance Plans Comparison

HDFC ERGO Optima Secure Global vs ICICI Lombard Complete Health Insurance Health Shield

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 Global

Cover only emergency hospitalisation outside India within 45 days of a trip, after ₹10,000 per overseas claim, doubling India cover from day one, adding 50% a year up to 100%, restoring 100% in India and paying listed non-medical expenses.

What Makes It Special:

Optima Secure Global is a variant under HDFC ERGO’s my:Optima Secure range for people who want health insurance coverage in India along with protection for eligible emergency medical treatment overseas. Unlike Optima Secure Global Plus, this variant does not cover planned overseas treatment. Its domestic Secure Benefit and Automatic Restore...

Best For:

  • Buyers who need emergency overseas cover but do not require planned overseas treatment under the same variant.

  • Families comparing individual and family floater cover with restoration and cover-enhancement benefits.

  • Buyers looking for a high base sum insured of ₹1 crore or ₹2 crore.

  • Frequent international travellers who want emergency medical protection alongside domestic health insurance.

  • People who want health insurance for treatment in India and emergency medical treatment abroad.

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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 Secure Global

  • Check waiting periods, exclusions, eligible relationships and underwriting terms before selecting the policy.

  • Compare the optional aggregate deductible against your ability to pay eligible domestic expenses out of pocket.

  • Confirm how Secure Benefit and Automatic Restore apply, because these benefits are restricted to eligible treatment in India.

  • Review the ₹10,000 per-claim overseas deductible and policy-year overseas liability limit before relying on the international benefit.

  • Choose Global if overseas protection is needed for eligible emergencies; compare Global Plus if planned overseas treatment is also important.

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Global
Optima Secure Global

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Optima Secure Global

Covered at Actuals

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Optima Secure Global

Global Health Cover Available

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

ICU Charges

Optima Secure Global

Covered subject to the applicable sum insured and policy terms.

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Optima Secure Global

No Geography-Based Co-payment

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Optima Secure Global

No disease-specific sublimits verified from the reviewed Global plan summary; overseas liability and deductibles are separate limits.

VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Cashless Healthcare Providers

Optima Secure Global

16,000+ Network Hospitals & Healthcare Providers

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Optima Secure Global

Automatic Restore Benefit restores 100% of base sum insured for eligible claims in India, subject to conditions.

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

Optima Secure Global

Covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Optima Secure Global

Plus Benefit increases cover by 50% of base sum insured after year 1 and up to 100% after year 2, subject to conditions.

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

AYUSH Treatment

Optima Secure Global

Covered up till sun assured

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Optima Secure Global

Protect Benefit covers specified non-medical expenses, subject to the policy wording.

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Optima Secure Global

30 days for illnesses; subject to policy wording and accident-related exceptions.

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Optima Secure Global

24 months for specified diseases and procedures, subject to policy terms.

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Optima Secure Global

36 months, subject to applicable policy terms and approved modifications.

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Optima Secure Global

Listed modern treatments covered, subject to policy terms and geography restrictions.

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Optima Secure Global

Available; limit depends on policy type and applicable terms.

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Optima Secure Global

Up to 60 days for eligible hospitalisation in India.

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Optima Secure Global

Up to 180 days for eligible hospitalisation in India; overseas cover is subject to separate Global benefit terms.

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Optima Secure Global

General OPD expenses not verified as a standard benefit; overseas emergency cover is subject to its specific definition.

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Optima Secure Global

Optional aggregate deductible: ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh or ₹5 lakh; applies to eligible claims in India.

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Optima Secure Global

Individual or family floater; ₹1 crore or ₹2 crore base sum insured.

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Optima Secure Global

FY 2024-25: 97.45%


VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Optima Secure Global

Not verified as a covered benefit; do not assume maternity expenses are covered.

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

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Insurance Plans Comparison

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Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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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)

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