Insurance Plans Comparison
HDFC ERGO Optima Secure vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
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
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family 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
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
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Optima Secure Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Optima Secure All room categories are covered |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Optima Secure No restriction on ICU room rent |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Optima Secure Not available |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Optima Secure No |
VS VS |
Medicare Select No |
| Restoration Benefit |
|---|
Optima Secure Yes, your sum insured restores to 100% once every policy year |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Optima Secure 16000+ Healthcare Providers |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Daycare Treatment |
|---|
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
VS VS |
Medicare Select Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year |
| AYUSH Treatment |
|---|
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Optima Secure Yes |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
Optima Secure 30 days |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Optima Secure 2 years |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Optima Secure 3 years |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Optima Secure Health check-up is available after the first policy year |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| 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 |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| 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 |
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure OPD expense is not included |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Optima Secure Available as an option |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Optima Secure 98% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Optima Secure Not in base plan; available as paid add-on. |
VS VS |
Medicare Select 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
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
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Most Popular
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Optima Secure vs Super Mediclaim
Optima Secure vs Health Recharge
Optima Secure vs Cancer Cover Activ Cancer Secure Plan
Optima Secure vs Optima Secure Plus
Optima Secure vs Women Care
Optima Secure vs Aspire Diamond+
Optima Secure vs Activate Booster Plan A
Optima Secure vs Active Care Premier
Optima Secure vs ProHealth Accumulate
Optima Secure vs Health Super Saver Standard
Optima Secure vs Supreme Shine
Optima Secure vs Optima Secure Global Plus
Optima Secure vs Health Cardiac Care Silver & Gold Plan
Optima Secure vs myHealth Suraksha Gold
Optima Secure vs LifeTime Health Global
Optima Secure vs Active Fit Plus
Optima Secure vs OneHealth Premium
Optima Secure vs Activ Health Platinum Essential
Optima Secure vs Medicare Plus
Optima Secure vs Medicare Senior
Optima Secure vs Enhance Super Top-up Two
Optima Secure vs Medicare Protect
Optima Secure vs Activ One SAVR
Optima Secure vs Active Assure Diamond
Optima Secure vs Activ One VIP
Optima Secure vs Health Pulse Classic
Optima Secure vs Advantage
Optima Secure vs Special Care Gold
Optima Secure vs Activ One Max
Optima Secure vs Classic
Optima Secure vs Activ One Vytl
Optima Secure vs Supreme
Optima Secure vs Freedom
Optima Secure vs Sarvah Pratham
Optima Secure vs Joy Today
Optima Secure vs Medi Classic
Optima Secure vs Activate Booster Plan B
Optima Secure vs Aspire Gold+
Optima Secure vs Aspire Platinum+
Optima Secure vs Plus Complete
Optima Secure vs Reassure 2.0 Platinum+
Optima Secure vs Elder Care
Optima Secure vs Reassure 3.0 Elite
Optima Secure vs EquiCover
Optima Secure vs Young Star Gold
Optima Secure vs Enhance Super Top-up One
Optima Secure vs Joy Tomorrow
Optima Secure vs Activ One VIP+
Optima Secure vs Reassure 3.0 Select
Optima Secure vs Red Carpet Senior Citizens
Optima Secure vs Medicare Premier
Optima Secure vs Family Health Optima
Optima Secure vs Health Companion Variant 2022
Optima Secure vs Health Companion Variant 3
Optima Secure vs Plus Youth
Optima Secure vs Assure
Optima Secure vs Health Premia Gold
Optima Secure vs Health Premia Platinum
Optima Secure vs Cancer Care Platinum
Optima Secure vs Optima Lite
Optima Secure vs ProHealth Prime Protect
Optima Secure vs Comprehensive
Optima Secure vs HeartBeat Enhanced
Optima Secure vs Reassure
Optima Secure vs Supreme Senior Premium
Optima Secure vs Health Recharge Super Top Up Plan
Optima Secure vs Reassure 3.0
Optima Secure vs myHealth Suraksha Platinum
Optima Secure vs Supreme Value for Money
Optima Secure vs Supreme Senior Super
Optima Secure vs Supreme Enhance
Optima Secure vs Reassure 2.0 Gold
Optima Secure vs Medicare
Optima Secure vs Ultimate (Direct)
Optima Secure vs Young Star
Optima Secure vs Sarvah Param
Optima Secure vs Optima Insurance
Optima Secure vs Smart Super Health Assure
Optima Secure vs Reassure 3.0 Black
Optima Secure vs Health Guard Platinum
Optima Secure vs Health Guard Gold
Optima Secure vs Elevate (Direct)
Optima Secure vs Extra Care Plus Super Top-up
Optima Secure vs Health Care Supreme Smart
Optima Secure vs Smart Health Pro
Optima Secure vs Medi Classic Gold
Optima Secure vs Optima Super Secure
Optima Secure vs Special Care
Optima Secure vs Medicare LITE
Optima Secure vs Health Shield 360
Optima Secure vs SecureHealth
Optima Secure vs Supreme (Direct)
Optima Secure vs Plus
Optima Secure vs Mediclaim Insurance Policy
Optima Secure vs Medicare Select
Optima Secure vs Health Gain
Optima Secure vs myHealth Koti Suraksha
Optima Secure vs Senior
Optima Secure vs myHealth Suraksha Silver
Optima Secure vs Cardiac Care Platinum
Optima Secure vs Royal Sundaram Lifeline Elite
Optima Secure vs Super Surplus Gold
Optima Secure vs Supreme Enhance One
Optima Secure vs Supreme Enhance Two
Optima Secure vs HeartBeat Platinum
Optima Secure vs HeartBeat Gold
Optima Secure vs Health SuperCharge
Optima Secure vs Aspire Titanium+
Optima Secure vs iHealth Plus
Optima Secure vs ProHealth Prime Advantage
Optima Secure vs Active Fit Preferred
Optima Secure vs Reassure 3.0 Classic
Optima Secure vs Senior Health Advantage
Optima Secure vs Health Wallet
Optima Secure vs Elevate
Optima Secure vs Heart
Optima Secure vs LifeTime Health
Optima Secure vs Reassure 2.0 Titanium+
Optima Secure vs ProHealth Prime Active
Optima Secure vs ProHealth Prime Senior Elite
Optima Secure vs Advanced Top Up
Optima Secure vs Multiplier Health
Optima Secure vs Diabetes Safe Plan A
Optima Secure vs Reassure 2.0 Bronze+
Optima Secure vs Enhance Super Top-up
Optima Secure vs Young Star Silver
Optima Secure vs Star Women Care Policy
Optima Secure vs Joy
Optima Secure vs Supreme Senior Health AdvantEdge
Optima Secure vs Family Plus
Optima Secure vs Criti Shield Plus
Optima Secure vs Health Care Supreme Ultimo
Optima Secure vs Health Shield 360 Retail
Optima Secure vs Super Star
Optima Secure vs Supreme Super Saver
Optima Secure vs Senior First Platinum
Optima Secure vs Optima Secure Global
Optima Secure vs NextGen
Optima Secure vs Health Insurance Platinum
Optima Secure vs Energy Silver With Copay
Medicare Select vs Optima Secure
Medicare Select vs Super Mediclaim
Medicare Select vs Health Recharge
Medicare Select vs Cancer Cover Activ Cancer Secure Plan
Medicare Select vs Optima Secure Plus
Medicare Select vs Women Care
Medicare Select vs Aspire Diamond+
Medicare Select vs Activate Booster Plan A
Medicare Select vs Active Care Premier
Medicare Select vs ProHealth Accumulate
Medicare Select vs Health Super Saver Standard
Medicare Select vs Supreme Shine
Medicare Select vs Optima Secure Global Plus
Medicare Select vs Health Cardiac Care Silver & Gold Plan
Medicare Select vs myHealth Suraksha Gold
Medicare Select vs LifeTime Health Global
Medicare Select vs Active Fit Plus
Medicare Select vs OneHealth Premium
Medicare Select vs Activ Health Platinum Essential
Medicare Select vs Medicare Plus
Medicare Select vs Medicare Senior
Medicare Select vs Enhance Super Top-up Two
Medicare Select vs Medicare Protect
Medicare Select vs Activ One SAVR
Medicare Select vs Active Assure Diamond
Medicare Select vs Activ One VIP
Medicare Select vs Health Pulse Classic
Medicare Select vs Advantage
Medicare Select vs Special Care Gold
Medicare Select vs Activ One Max
Medicare Select vs Classic
Medicare Select vs Activ One Vytl
Medicare Select vs Supreme
Medicare Select vs Freedom
Medicare Select vs Sarvah Pratham
Medicare Select vs Joy Today
Medicare Select vs Medi Classic
Medicare Select vs Activate Booster Plan B
Medicare Select vs Aspire Gold+
Medicare Select vs Aspire Platinum+
Medicare Select vs Plus Complete
Medicare Select vs Reassure 2.0 Platinum+
Medicare Select vs Elder Care
Medicare Select vs Reassure 3.0 Elite
Medicare Select vs EquiCover
Medicare Select vs Young Star Gold
Medicare Select vs Enhance Super Top-up One
Medicare Select vs Joy Tomorrow
Medicare Select vs Activ One VIP+
Medicare Select vs Reassure 3.0 Select
Medicare Select vs Red Carpet Senior Citizens
Medicare Select vs Medicare Premier
Medicare Select vs Family Health Optima
Medicare Select vs Health Companion Variant 2022
Medicare Select vs Health Companion Variant 3
Medicare Select vs Plus Youth
Medicare Select vs Assure
Medicare Select vs Health Premia Gold
Medicare Select vs Health Premia Platinum
Medicare Select vs Cancer Care Platinum
Medicare Select vs Optima Lite
Medicare Select vs ProHealth Prime Protect
Medicare Select vs Comprehensive
Medicare Select vs HeartBeat Enhanced
Medicare Select vs Reassure
Medicare Select vs Supreme Senior Premium
Medicare Select vs Health Recharge Super Top Up Plan
Medicare Select vs Reassure 3.0
Medicare Select vs myHealth Suraksha Platinum
Medicare Select vs Supreme Value for Money
Medicare Select vs Supreme Senior Super
Medicare Select vs Supreme Enhance
Medicare Select vs Reassure 2.0 Gold
Medicare Select vs Medicare
Medicare Select vs Ultimate (Direct)
Medicare Select vs Young Star
Medicare Select vs Sarvah Param
Medicare Select vs Optima Insurance
Medicare Select vs Smart Super Health Assure
Medicare Select vs Reassure 3.0 Black
Medicare Select vs Health Guard Platinum
Medicare Select vs Health Guard Gold
Medicare Select vs Elevate (Direct)
Medicare Select vs Extra Care Plus Super Top-up
Medicare Select vs Health Care Supreme Smart
Medicare Select vs Smart Health Pro
Medicare Select vs Medi Classic Gold
Medicare Select vs Optima Super Secure
Medicare Select vs Special Care
Medicare Select vs Medicare LITE
Medicare Select vs Health Shield 360
Medicare Select vs SecureHealth
Medicare Select vs Supreme (Direct)
Medicare Select vs Plus
Medicare Select vs Mediclaim Insurance Policy
Medicare Select vs Health Gain
Medicare Select vs myHealth Koti Suraksha
Medicare Select vs Senior
Medicare Select vs myHealth Suraksha Silver
Medicare Select vs Cardiac Care Platinum
Medicare Select vs Royal Sundaram Lifeline Elite
Medicare Select vs Super Surplus Gold
Medicare Select vs Supreme Enhance One
Medicare Select vs Supreme Enhance Two
Medicare Select vs HeartBeat Platinum
Medicare Select vs HeartBeat Gold
Medicare Select vs Health SuperCharge
Medicare Select vs Aspire Titanium+
Medicare Select vs iHealth Plus
Medicare Select vs ProHealth Prime Advantage
Medicare Select vs Active Fit Preferred
Medicare Select vs Reassure 3.0 Classic
Medicare Select vs Senior Health Advantage
Medicare Select vs Health Wallet
Medicare Select vs Elevate
Medicare Select vs Heart
Medicare Select vs LifeTime Health
Medicare Select vs Reassure 2.0 Titanium+
Medicare Select vs ProHealth Prime Active
Medicare Select vs ProHealth Prime Senior Elite
Medicare Select vs Advanced Top Up
Medicare Select vs Multiplier Health
Medicare Select vs Diabetes Safe Plan A
Medicare Select vs Reassure 2.0 Bronze+
Medicare Select vs Enhance Super Top-up
Medicare Select vs Young Star Silver
Medicare Select vs Star Women Care Policy
Medicare Select vs Joy
Medicare Select vs Supreme Senior Health AdvantEdge
Medicare Select vs Family Plus
Medicare Select vs Criti Shield Plus
Medicare Select vs Health Care Supreme Ultimo
Medicare Select vs Health Shield 360 Retail
Medicare Select vs Super Star
Medicare Select vs Supreme Super Saver
Medicare Select vs Senior First Platinum
Medicare Select vs Optima Secure Global
Medicare Select vs NextGen
Medicare Select vs Health Insurance Platinum
Medicare Select vs Energy Silver With Copay
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
September 25, 2025 | OneAssure Team
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.