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Every plan, stripped to the clauses that decide your claim — room-rent caps, co-pays, sub-limits, restoration rules. No commissions. No sponsored rankings.
HDFC Ergo
Optima Secure+
Doubled cover from day one, a 100% yearly bonus with no cap, and unlimited restoration — one of the most generous cover-growth designs available in India.
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The fine print, decoded
All 16 terms →A clause where you pay part of the hospital bill. Even a small co-pay can increase your final cost.
02Room Rent LimitA cap on your hospital room charges. Choosing a higher room can reduce payouts for the whole hospital bill.
03Waiting PeriodThe time you must wait before certain illnesses are covered by your policy.
04Disease Sub-limitsCertain illnesses have payout caps — even when your policy cover is large.
05RestorationYour sum insured refills after a claim — but the refill usually comes with conditions.
06Cashless NetworkCashless treatment works only in network hospitals — others require reimbursement.
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