HDFC ERGO Optima Secure vs Star Young Star Gold

All room categories are covered

Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

No restriction on ICU room rent

No restriction on ICU room rent

Not available

Not Available

No

Yes, certain diseases have coverage limits

15000+ Healthcare Providers

13000+ Healthcare Providers

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

Sum insured restores to 100% after each claim during the policy year

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%

Sum insured increases by 20% every year, up to 100% max

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

Yes

30 days

30 days.

2 years

1 year

3 years

1 year

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

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 60 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 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

Not covered under base plan (available as add-on)

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:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr

95%

82.31%

No. However, available as an add-on

Available