Insurance Plans Comparison
HDFC ERGO Optima Secure Plus 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 Plus
Get enhanced health insurance protection with 2X cover from Day 1, 100% additional base sum insured every year, unlimited automatic restoration and coverage for listed non-medical hospital expenses.
What Makes It Special:
HDFC ERGO Optima Secure+ is a comprehensive health insurance plan designed to build coverage over time while providing enhanced protection from the start of the policy. Its Secure Benefit doubles the base sum insured from Day 1, while the Infinite Benefit adds another 100% of the base sum insured after...
Best For:
Restoration-enabled Secure Health Policy
Coverage with Automatic Sum Boost
Multi-Benefit Medical Protection Plan
Comprehensive Family Health Insurance
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
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
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 Plus Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Optima Secure Plus Normal: Room Rent at Actuals ICU: Covered at Actuals |
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 Plus No restriction on ICU room rent. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Advanced Treatments |
|---|
Optima Secure Plus Covered all Advanced/Modern treatments |
VS VS |
Medicare Select Information Unavailable |
| Disease-wise sublimits |
|---|
Optima Secure Plus No |
VS VS |
Medicare Select No |
| Co-payment |
|---|
Optima Secure Plus No Mandatory Co-payment |
VS VS |
Medicare Select Not available |
| Restoration Benefit |
|---|
Optima Secure Plus Yes — Automatic Restore Benefit: 100% of the Base Sum Insured is restored every time it is claimed (partially or fully), unlimited times in a policy year, for both related and unrelated illnesses. |
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 Plus 16000+ Healthcare Providers |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Optima Secure Plus Yes — Infinite Benefit: 100% of the Base Sum Insured is added at no extra cost after every policy year, irrespective of claims made, with no maximum cap (continues infinitely). |
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 |
| Daycare Treatment |
|---|
Optima Secure Plus Covered up to Sum Insured |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Optima Secure Plus Covered up to SI under hospitalisation benefit. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Optima Secure Plus Yes — Protect Benefit covers listed non-medical expenses during hospitalisation with zero deductions. |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
Optima Secure Plus 30 Days |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Optima Secure Plus 2 years |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Optima Secure Plus 3 years |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Optima Secure Plus 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 Plus 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 Plus 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 Plus 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 Plus Not included as part of base cover. Available via the Optima Wellbeing Add-on, which covers various outpatient benefits. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Optima Secure Plus Available as an option. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Optima Secure Plus Available Base Sum Insured options: ₹10L / ₹15L / ₹20L / ₹25L / ₹50L / ₹1 Cr / ₹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 Plus Information Unavailable |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Optima Secure Plus No. However, available as an 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 Plus vs Optima Secure
Optima Secure Plus vs Super Mediclaim
Optima Secure Plus vs Health Recharge
Optima Secure Plus vs Cancer Cover Activ Cancer Secure Plan
Optima Secure Plus vs Women Care
Optima Secure Plus vs Aspire Diamond+
Optima Secure Plus vs Activate Booster Plan A
Optima Secure Plus vs Active Care Premier
Optima Secure Plus vs ProHealth Accumulate
Optima Secure Plus vs Health Super Saver Standard
Optima Secure Plus vs Supreme Shine
Optima Secure Plus vs Optima Secure Global Plus
Optima Secure Plus vs Health Cardiac Care Silver & Gold Plan
Optima Secure Plus vs myHealth Suraksha Gold
Optima Secure Plus vs LifeTime Health Global
Optima Secure Plus vs Active Fit Plus
Optima Secure Plus vs OneHealth Premium
Optima Secure Plus vs Activ Health Platinum Essential
Optima Secure Plus vs Medicare Plus
Optima Secure Plus vs Medicare Senior
Optima Secure Plus vs Enhance Super Top-up Two
Optima Secure Plus vs Medicare Protect
Optima Secure Plus vs Activ One SAVR
Optima Secure Plus vs Active Assure Diamond
Optima Secure Plus vs Activ One VIP
Optima Secure Plus vs Health Pulse Classic
Optima Secure Plus vs Advantage
Optima Secure Plus vs Special Care Gold
Optima Secure Plus vs Activ One Max
Optima Secure Plus vs Classic
Optima Secure Plus vs Activ One Vytl
Optima Secure Plus vs Supreme
Optima Secure Plus vs Freedom
Optima Secure Plus vs Sarvah Pratham
Optima Secure Plus vs Joy Today
Optima Secure Plus vs Medi Classic
Optima Secure Plus vs Activate Booster Plan B
Optima Secure Plus vs Aspire Gold+
Optima Secure Plus vs Aspire Platinum+
Optima Secure Plus vs Plus Complete
Optima Secure Plus vs Reassure 2.0 Platinum+
Optima Secure Plus vs Elder Care
Optima Secure Plus vs Reassure 3.0 Elite
Optima Secure Plus vs EquiCover
Optima Secure Plus vs Young Star Gold
Optima Secure Plus vs Enhance Super Top-up One
Optima Secure Plus vs Joy Tomorrow
Optima Secure Plus vs Activ One VIP+
Optima Secure Plus vs Reassure 3.0 Select
Optima Secure Plus vs Red Carpet Senior Citizens
Optima Secure Plus vs Medicare Premier
Optima Secure Plus vs Family Health Optima
Optima Secure Plus vs Health Companion Variant 2022
Optima Secure Plus vs Health Companion Variant 3
Optima Secure Plus vs Plus Youth
Optima Secure Plus vs Assure
Optima Secure Plus vs Health Premia Gold
Optima Secure Plus vs Health Premia Platinum
Optima Secure Plus vs Cancer Care Platinum
Optima Secure Plus vs Optima Lite
Optima Secure Plus vs ProHealth Prime Protect
Optima Secure Plus vs Comprehensive
Optima Secure Plus vs HeartBeat Enhanced
Optima Secure Plus vs Reassure
Optima Secure Plus vs Supreme Senior Premium
Optima Secure Plus vs Health Recharge Super Top Up Plan
Optima Secure Plus vs Reassure 3.0
Optima Secure Plus vs myHealth Suraksha Platinum
Optima Secure Plus vs Supreme Value for Money
Optima Secure Plus vs Supreme Senior Super
Optima Secure Plus vs Supreme Enhance
Optima Secure Plus vs Reassure 2.0 Gold
Optima Secure Plus vs Medicare
Optima Secure Plus vs Ultimate (Direct)
Optima Secure Plus vs Young Star
Optima Secure Plus vs Sarvah Param
Optima Secure Plus vs Optima Insurance
Optima Secure Plus vs Smart Super Health Assure
Optima Secure Plus vs Reassure 3.0 Black
Optima Secure Plus vs Health Guard Platinum
Optima Secure Plus vs Health Guard Gold
Optima Secure Plus vs Elevate (Direct)
Optima Secure Plus vs Extra Care Plus Super Top-up
Optima Secure Plus vs Health Care Supreme Smart
Optima Secure Plus vs Smart Health Pro
Optima Secure Plus vs Medi Classic Gold
Optima Secure Plus vs Optima Super Secure
Optima Secure Plus vs Special Care
Optima Secure Plus vs Medicare LITE
Optima Secure Plus vs Health Shield 360
Optima Secure Plus vs SecureHealth
Optima Secure Plus vs Supreme (Direct)
Optima Secure Plus vs Plus
Optima Secure Plus vs Mediclaim Insurance Policy
Optima Secure Plus vs Medicare Select
Optima Secure Plus vs Health Gain
Optima Secure Plus vs myHealth Koti Suraksha
Optima Secure Plus vs Senior
Optima Secure Plus vs myHealth Suraksha Silver
Optima Secure Plus vs Cardiac Care Platinum
Optima Secure Plus vs Royal Sundaram Lifeline Elite
Optima Secure Plus vs Super Surplus Gold
Optima Secure Plus vs Supreme Enhance One
Optima Secure Plus vs Supreme Enhance Two
Optima Secure Plus vs HeartBeat Platinum
Optima Secure Plus vs HeartBeat Gold
Optima Secure Plus vs Health SuperCharge
Optima Secure Plus vs Aspire Titanium+
Optima Secure Plus vs iHealth Plus
Optima Secure Plus vs ProHealth Prime Advantage
Optima Secure Plus vs Active Fit Preferred
Optima Secure Plus vs Reassure 3.0 Classic
Optima Secure Plus vs Senior Health Advantage
Optima Secure Plus vs Health Wallet
Optima Secure Plus vs Elevate
Optima Secure Plus vs Heart
Optima Secure Plus vs LifeTime Health
Optima Secure Plus vs Reassure 2.0 Titanium+
Optima Secure Plus vs ProHealth Prime Active
Optima Secure Plus vs ProHealth Prime Senior Elite
Optima Secure Plus vs Advanced Top Up
Optima Secure Plus vs Multiplier Health
Optima Secure Plus vs Diabetes Safe Plan A
Optima Secure Plus vs Reassure 2.0 Bronze+
Optima Secure Plus vs Enhance Super Top-up
Optima Secure Plus vs Young Star Silver
Optima Secure Plus vs Star Women Care Policy
Optima Secure Plus vs Joy
Optima Secure Plus vs Supreme Senior Health AdvantEdge
Optima Secure Plus vs Family Plus
Optima Secure Plus vs Criti Shield Plus
Optima Secure Plus vs Health Care Supreme Ultimo
Optima Secure Plus vs Health Shield 360 Retail
Optima Secure Plus vs Super Star
Optima Secure Plus vs Supreme Super Saver
Optima Secure Plus vs Senior First Platinum
Optima Secure Plus vs Optima Secure Global
Optima Secure Plus vs NextGen
Optima Secure Plus vs Health Insurance Platinum
Optima Secure Plus 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.