How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Compare Health Insurance Plans

Optima Secure Vs Health Premia Platinum

Insurance Plans Comparison

HDFC ERGO Optima Secure vs Niva Bupa Health Premia Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Optima Secure

Get up to 4X coverage with built-in benefits that increase your cover, restore your sum insured and protect you against specified non-medical hospital expenses.

What Makes It Special:

HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...

Best For:

Comprehensive Family Health Insurance
Multi-Benefit Medical Protection Plan
Coverage with Automatic Sum Boost
Restoration-enabled Secure Health Policy

VS

Health Premia Platinum

Health Premia Platinum offers ₹1-3 Crore cover with any room, OPD cover, ₹2 Lakh maternity, multi-trip travel cover and specified illness treatment abroad.

What Makes It Special:

Health Premia Platinum is Niva Bupa’s top Health Premia plan, combining ₹1-3 Crore cover with no room category limit, OPD, ₹10,000 annual health check-up, worldwide second opinion, child vaccination, specified illness treatment abroad and annual multi-trip international cover up to ₹1 Crore.

Best For:

Buyers who want treatment abroad for major specified illnesses like cancer and heart attack
People who want OPD, health check-up and child vaccination covered
Couples planning a family who want ₹2 Lakh maternity cover worldwide (excl. USA/Canada)
Frequent international travellers who want annual multi-trip medical cover
Families wanting very high cover of ₹1-3 Crore

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.

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Quick Decision Guide

HDFC ERGO Optima Secure

Coverage growth with Secure and Plus Benefits
Automatic sum insured restoration after claims
No room-rent or ICU restrictions
Annual health check-ups and preventive care
Long-term loyalty rewards and discounts

Niva Bupa Health Premia Platinum

Reasons to Consider: Loyalty Additions grow cover by 10% of Base Sum Insured every year up to 100%, even if you claim.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Pre- and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is 12 months.
Reasons to Consider: Any room category, OPD cover and annual multi-trip international cover are built in.
Things to Consider: Maternity cover is only for Family Floater / Family First policies after 24 months of continuous cover.
Things to Consider: Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Non-payable items such as gloves need the paid Safeguard add-on.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month wait.
Things to Consider: Premium is higher because of ₹1-3 Crore cover and the built-in extras.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure

Health Insurance Plan

Brochure

Policy Wording

VS

Health Premia Platinum

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Optima Secure All room categories are covered	Health Premia Platinum Covered up to Sum Insured, no room category restriction (Any Room, incl. suite)

ICU Charges
Optima Secure No restriction on ICU room rent	Health Premia Platinum Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Optima Secure Not available	Health Premia Platinum No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Disease-wise sublimits
Optima Secure No	Health Premia Platinum No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹1,00,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹1,00,000), non-network road ambulance (₹2,000 per event)

Restoration Benefit
Optima Secure Yes, your sum insured restores to 100% once every policy year	Health Premia Platinum Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Cashless Healthcare Providers
Optima Secure 16000+ Healthcare Providers	Health Premia Platinum Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Daycare Treatment
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured	Health Premia Platinum All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus
Optima Secure Your sum insured increases by 50% every year, maximum up to 300%	Health Premia Platinum Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

AYUSH Treatment
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period	Health Premia Platinum In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Consumable Cover
Optima Secure Yes	Health Premia Platinum Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

Initial Waiting Period
Optima Secure 30 days	Health Premia Platinum 30 days (not for accidents or renewals)

Specific Waiting Period
Optima Secure 2 years	Health Premia Platinum 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period
Optima Secure 3 years	Health Premia Platinum 24 months of continuous cover

Modern Treatment
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	Health Premia Platinum Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup
Optima Secure Health check-up is available after the first policy year	Health Premia Platinum Annual from Day 1: tests up to ₹10,000 per insured (Family First Platinum: ₹5,000)

Pre-Hospitalisation
Optima Secure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved	Health Premia Platinum Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it	Health Premia Platinum Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Optima Secure OPD expense is not included	Health Premia Platinum Covered up to ₹50,000 per policy per year (Family First: ₹35,000) for consultations, diagnostics and prescribed medicines; 80% of unused amount carried forward, total capped at 2.5x the annual limit. Unlimited e-consultations included in all plans

Deductible Option
Optima Secure Available as an option	Health Premia Platinum Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr	Health Premia Platinum Individual / Family Floater: ₹1 Crore, ₹2 Crore or ₹3 Crore Base Sum Insured. Family First variant: Base Individual SI ₹10-15 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Coverage Options

Optima Secure

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

Health Premia Platinum

Individual / Family Floater: ₹1 Crore, ₹2 Crore or ₹3 Crore Base Sum Insured. Family First variant: Base Individual SI ₹10-15 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio
Optima Secure 98%	Health Premia Platinum 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover
Optima Secure Not in base plan; available as paid add-on.	Health Premia Platinum Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: up to ₹2,00,000 worldwide excl. USA & Canada (Family First Platinum ₹1,00,000). USA/Canada extension available as optional add-on. New born covered up to SI till end of policy year; newborn vaccination in first year

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Secure

Health Insurance Plan

Brochure

Policy Wording

VS

Health Premia Platinum

Health Insurance Plan

Brochure

Policy Wording

Room Rent
Optima Secure All room categories are covered
VS VS
Health Premia Platinum Covered up to Sum Insured, no room category restriction (Any Room, incl. suite)

ICU Charges
Optima Secure No restriction on ICU room rent
VS VS
Health Premia Platinum Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated

Co-payment
Optima Secure Not available
VS VS
Health Premia Platinum No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay

Disease-wise sublimits
Optima Secure No
VS VS
Health Premia Platinum No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹1,00,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹1,00,000), non-network road ambulance (₹2,000 per event)

Restoration Benefit
Optima Secure Yes, your sum insured restores to 100% once every policy year
VS VS
Health Premia Platinum Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant

Cashless Healthcare Providers
Optima Secure 16000+ Healthcare Providers
VS VS
Health Premia Platinum Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes

Daycare Treatment
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
VS VS
Health Premia Platinum All listed day care procedures (Annexure III) covered up to Sum Insured

Cumulative Bonus
Optima Secure Your sum insured increases by 50% every year, maximum up to 300%
VS VS
Health Premia Platinum Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200%

AYUSH Treatment
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period
VS VS
Health Premia Platinum In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation

Consumable Cover
Optima Secure Yes
VS VS
Health Premia Platinum Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324)

Initial Waiting Period
Optima Secure 30 days
VS VS
Health Premia Platinum 30 days (not for accidents or renewals)

Specific Waiting Period
Optima Secure 2 years
VS VS
Health Premia Platinum 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months

PED Waiting Period
Optima Secure 3 years
VS VS
Health Premia Platinum 24 months of continuous cover

Modern Treatment
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
VS VS
Health Premia Platinum Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries

Annual Health Checkup
Optima Secure Health check-up is available after the first policy year
VS VS
Health Premia Platinum Annual from Day 1: tests up to ₹10,000 per insured (Family First Platinum: ₹5,000)

Pre-Hospitalisation
Optima Secure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
VS VS
Health Premia Platinum Up to 90 days before admission, covered up to Sum Insured

Post-Hospitalisation
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
VS VS
Health Premia Platinum Up to 180 days after discharge, covered up to Sum Insured

Outpatient Department Cover (OPD Expense)
Optima Secure OPD expense is not included
VS VS
Health Premia Platinum Covered up to ₹50,000 per policy per year (Family First: ₹35,000) for consultations, diagnostics and prescribed medicines; 80% of unused amount carried forward, total capped at 2.5x the annual limit. Unlimited e-consultations included in all plans

Deductible Option
Optima Secure Available as an option
VS VS
Health Premia Platinum Not available (the policy wording has no deductible option for Health Premia)

Coverage Options
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr
VS VS
Health Premia Platinum Individual / Family Floater: ₹1 Crore, ₹2 Crore or ₹3 Crore Base Sum Insured. Family First variant: Base Individual SI ₹10-15 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal

Claim Settlement Ratio
Optima Secure 98%
VS VS
Health Premia Platinum 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26)

Maternity Cover
Optima Secure Not in base plan; available as paid add-on.
VS VS
Health Premia Platinum Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: up to ₹2,00,000 worldwide excl. USA & Canada (Family First Platinum ₹1,00,000). USA/Canada extension available as optional add-on. New born covered up to SI till end of policy year; newborn vaccination in first year

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.

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Pure advice, no unwanted calls, no unnecessary push

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

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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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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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

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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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Health Premia Platinum vs Health Guard Platinum

Health Premia Platinum vs Health Guard Gold

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Health Premia Platinum vs Health Care Supreme Smart

Health Premia Platinum vs Smart Health Pro

Health Premia Platinum vs Medi Classic Gold

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Health Premia Platinum vs Special Care

Health Premia Platinum vs Medicare LITE

Health Premia Platinum vs Health Shield 360

Health Premia Platinum vs SecureHealth

Health Premia Platinum vs Supreme (Direct)

Health Premia Platinum vs Plus

Health Premia Platinum vs Mediclaim Insurance Policy

Health Premia Platinum vs Medicare Select

Health Premia Platinum vs Health Gain

Health Premia Platinum vs myHealth Koti Suraksha

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Health Premia Platinum vs myHealth Suraksha Silver

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Health Premia Platinum vs Royal Sundaram Lifeline Elite

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Health Premia Platinum vs Supreme Enhance One

Health Premia Platinum vs Supreme Enhance Two

Health Premia Platinum vs HeartBeat Platinum

Health Premia Platinum vs HeartBeat Gold

Health Premia Platinum vs Health SuperCharge

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Health Premia Platinum vs ProHealth Prime Advantage

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Health Premia Platinum vs Senior Health Advantage

Health Premia Platinum vs Health Wallet

Health Premia Platinum vs Elevate

Health Premia Platinum vs Heart

Health Premia Platinum vs LifeTime Health

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Health Premia Platinum vs ProHealth Prime Active

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Health Premia Platinum vs Multiplier Health

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Health Premia Platinum vs Reassure 2.0 Bronze+

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Health Premia Platinum vs Young Star Silver

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Health Premia Platinum vs Joy

Health Premia Platinum vs Supreme Senior Health AdvantEdge

Health Premia Platinum vs Family Plus

Health Premia Platinum vs Criti Shield Plus

Health Premia Platinum vs Health Care Supreme Ultimo

Health Premia Platinum vs Health Shield 360 Retail

Health Premia Platinum vs Super Star

Health Premia Platinum vs Supreme Super Saver

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Health Premia Platinum vs Optima Secure Global

Health Premia Platinum vs NextGen

Health Premia Platinum vs Health Insurance Platinum

Health Premia Platinum vs Energy Silver With Copay

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