HDFC ERGO Optima Secure vs Care Advantage

All room categories are covered

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Not available

Available as an option

No

No

15000+ Healthcare Providers

21700+ Healthcare Providers

Yes, your sum insured restores to 100% once every policy year

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

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

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

Your sum insured increases by 50% every year, maximum up to 300%

For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit

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

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

Yes

No. However, available as an add-on

30 days

30 days

2 years

2 years

3 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available after the first policy year

Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Available as an option

Available as an option

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr

95%

87.10%

No. However, available as an add-on

Not available