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Insurance Plans Comparison

HDFC ERGO Optima Secure Plus vs Niva Bupa Health Companion Variant 2022

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

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HDFC ERGO

What Makes It Special:

HDFC ERGO Optima Secure+ is a comprehensive health insurance plan offering coverage from ₹10 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, an Infinite Benefit that adds 100% of your base sum insured every year with no upper...

Best For:

  • Restoration-enabled Secure Health Policy

  • Coverage with Automatic Sum Boost

  • Multi-Benefit Medical Protection Plan

  • Comprehensive Family Health Insurance

VS
Niva Bupa

Health Companion Variant 2022

Niva Bupa Health Companion Variant 2022

What Makes It Special:

The Niva Bupa Health Companion Variant 2022 is a comprehensive health insurance plan with options for both Individual and Family Floater policies. There is no Room Rent Limit in this plan.The Safeguard+ add-on covers all non-payable expenses and protects your No Claim Bonus if claims are up to ₹1,00,000....

Best For:

  • High coverage for families

  • Those who want extra protection through optional add-ons

  • Customers who value regular health check-ups and ambulance services

  • Hospital Room Rent Freedom

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 Plus

  • Long-term loyalty rewards and discounts

  • Annual health check-ups and preventive care

  • No room-rent or ICU restrictions

  • Automatic sum insured restoration after claims

  • Coverage growth with Secure and Infinite Benefits

Niva Bupa Health Companion Variant 2022

  • You need coverage for home treatments.

  • You want free health check-ups from day one.

  • You want cover restored after every claim.

  • You prefer hassle-free cashless hospital treatment

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure Plus
Optima Secure Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

Room Rent

Optima Secure Plus

All room categories are covered

VS

Health Companion Variant 2022

The shared room category is covered in your base policy.

If you choose an upgraded room, 20% co-payment is applicable.

ICU Charges

Optima Secure Plus

No restriction on ICU room rent

VS

Health Companion Variant 2022

No restriction on ICU room rent

Disease-wise sublimits

Optima Secure Plus

No

VS

Health Companion Variant 2022

No

Co-payment

Optima Secure Plus

Not available

VS

Health Companion Variant 2022

Not Available

Restoration Benefit

Optima Secure Plus

Restores to 100% once every policy year

VS

Health Companion Variant 2022

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Cashless Healthcare Providers

Optima Secure Plus

Not Available

VS

Health Companion Variant 2022

11000+ Healthcare Providers

Daycare Treatment

Optima Secure Plus

Covered up to annual sum insured

VS

Health Companion Variant 2022

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

Cumulative Bonus

Optima Secure Plus

Not Available

VS

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

Consumable Cover

Optima Secure Plus

Yes

VS

Health Companion Variant 2022

No. However, available as an add-on

AYUSH Treatment

Optima Secure Plus

Covered up to annual sum insured

VS

Health Companion Variant 2022

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

Initial Waiting Period

Optima Secure Plus

30 Days

VS

Health Companion Variant 2022

30 days.

Specific Waiting Period

Optima Secure Plus

2 years

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Health Companion Variant 2022

2 years

PED Waiting Period

Optima Secure Plus

3 years

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Health Companion Variant 2022

3 years

Modern Treatment

Optima Secure Plus

Covered up to full sum insured

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Health Companion Variant 2022

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

Annual Health Checkup

Optima Secure Plus

Available after first policy year

VS

Health Companion Variant 2022

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Optima Secure Plus

60 days

VS

Health Companion Variant 2022

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

Post-Hospitalisation

Optima Secure Plus

180 days, including physiotherapy

VS

Health Companion Variant 2022

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

Outpatient Department Cover (OPD Expense)

Optima Secure Plus

Not included

VS

Health Companion Variant 2022

OPD expense is not included

Deductible Option

Optima Secure Plus

Available as an option

VS

Health Companion Variant 2022

Available

Coverage Options

Optima Secure Plus

Not Available

VS

Health Companion Variant 2022

Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr

Claim Settlement Ratio

Optima Secure Plus

Not Available

VS

Health Companion Variant 2022

92.02%

Maternity Cover

Optima Secure Plus

No, available as add-on

VS

Health Companion Variant 2022

Not Available

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

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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

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