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Insurance Plans Comparison

HDFC ERGO Optima Secure Global vs Liberty Health Connect 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 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
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

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 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.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

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
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Secure Global

Covered at Actuals

VS

Health Connect Elite

Subject to selected plan limits

Advanced Treatments

Optima Secure Global

Global Health Cover Available

VS

Health Connect Elite

Information Unavailable

ICU Charges

Optima Secure Global

Covered subject to the applicable sum insured and policy terms.

VS

Health Connect Elite

Covered as per selected plan

Co-payment

Optima Secure Global

No Geography-Based Co-payment

VS

Health Connect Elite

Applicable as per selected plan

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

Health Connect Elite

Applicable as per selected plan

Cashless Healthcare Providers

Optima Secure Global

16,000+ Network Hospitals & Healthcare Providers

VS

Health Connect Elite

6,100+ network hospitals available

Restoration Benefit

Optima Secure Global

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

VS

Health Connect Elite

Reload available from first claim

Daycare Treatment

Optima Secure Global

Covered

VS

Health Connect Elite

405 daycare procedures covered

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

Health Connect Elite

Up to 150% of Sum Insured

AYUSH Treatment

Optima Secure Global

Covered up till sun assured

VS

Health Connect Elite

Not specified in the brochure

Consumable Cover

Optima Secure Global

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

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

Optima Secure Global

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

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

Optima Secure Global

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

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

Optima Secure Global

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

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

Optima Secure Global

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

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

Optima Secure Global

Available; limit depends on policy type and applicable terms.

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

Optima Secure Global

Up to 60 days for eligible hospitalisation in India.

VS

Health Connect Elite

Up to 30 to 45 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

Health Connect Elite

Up to 45 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

Health Connect Elite

Not covered under the policy

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

Health Connect Elite

Not specified in the brochure

Coverage Options

Optima Secure Global

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

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

Optima Secure Global

FY 2024-25: 97.45%


VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

Optima Secure Global

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

VS

Health Connect Elite

Not covered except ectopic pregnancy

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?

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From choosing the right policy to managing claims, every step is handled for you

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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

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  • Tailored for seniors healthcare needs

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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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