Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Insurance Care SupremeCare · ★ 4.1
vs
Optima Secure+HDFC Ergo · ★ 4.7
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
Yes
Disease Sub-limit
No
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
2
1
Pre-existing Disease Waiting (Years)
3
Pre/Post-Hospitalisation
60 days
Pre-Hospitalisation
60 days (Covered up to: sum insured)
180 days (Covered up to: sum insured)
Post-Hospitalisation
180 days (Covered up to: sum insured)
Yes
Daycare Procedures
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Domiciliary
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Organ Donor Cover
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Modern Treatments
Yes (Covered up to: sum insured)
Coverage Features
Available
Refill on Exhaustion
Available
Related and unrelated illness
Refill Illness Applicability
Related and unrelated illness
Full exhaustion of Sum Insured & Bonus
Refill Trigger
Partial exhaustion of Sum Insured
Unlimited times in a policy year
Refill Limit
Unlimited times in a policy year
Subsequent claims
Refill Applicable Claim
Subsequent claims
Yes
Consumables
Yes
Bonus
100%
Bonus Rate
100%
600%
Bonus Max Limit
No cap
No
Reduction in Bonus on Claim
No
Claims Experience
Quick
% Settled < 30 Days
96.63%
0.47%
% Complaints on Claims
0.15%
66.28%
Incurred Claim Ratio
87.04%
95.19%
Claim Settlement Ratio (No.)
95.19%
87.97%
Claim Settlement Ratio (Value)
77.69%
3.10%
Claim Rejection Ratio
2.47%
22,100+
Cashless Hospitals
15,000+
Pricing & Extras
NA
Affordability
Expensive
Individual
Plan Type
Individual / Family Floater
NA
Extra Features
Double the sum insured from the first day of coverage (Secure Benefit), Guaranteed bonus of 100% every year with no cap, Unlimited restoration of the sum insured in a policy year
Verdict: Optima Secure+ takes it.
Winner: Optima Secure+
Insurance Care Supreme · ★ 4.1/5Optima Secure+ · ★ 4.7/5
Across 8 compared features, Optima Secure+ leads on 5 and Insurance Care Supreme on 3. Optima Secure+ is the stronger overall pick, notably on Disease Sub-limit, Daycare Procedures and Bonus Max Limit. Insurance Care Supreme still wins on Pre-existing Disease Waiting (Years), Claim Settlement Ratio (Value) and Cashless Hospitals, so weigh those if they matter to you.
Winner is decided by how many of the 8 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
