Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Optima Secure+HDFC Ergo · ★ 4.7
vs
ReAssure 2.0 (Platinum+)Niva Bupa · ★ 4.1
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
No
No
Disease Sub-limit
No
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
2
3
Pre-existing Disease Waiting (Years)
3
Pre/Post-Hospitalisation
60 days (Covered up to: sum insured)
Pre-Hospitalisation
60 days
180 days (Covered up to: sum insured)
Post-Hospitalisation
180 days
Yes (Covered up to: sum insured)
Daycare Procedures
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Domiciliary
No (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Organ Donor Cover
No
Yes (Covered up to: sum insured)
Modern Treatments
Yes
Coverage Features
Available
Refill on Exhaustion
Available
Related and unrelated illness
Refill Illness Applicability
Related and unrelated illness
Partial exhaustion of Sum Insured
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
First paid claim
Yes
Consumables
Yes
Bonus
100%
Bonus Rate
500%
No cap
Bonus Max Limit
500%
No
Reduction in Bonus on Claim
No
Claims Experience
96.63%
% Settled < 30 Days
99.95%
0.15%
% Complaints on Claims
0.43%
87.04%
Incurred Claim Ratio
61.64%
95.19%
Claim Settlement Ratio (No.)
90.64%
77.69%
Claim Settlement Ratio (Value)
74.32%
2.47%
Claim Rejection Ratio
7.30%
15,000+
Cashless Hospitals
10,000+
Pricing & Extras
Expensive
Affordability
NA
Individual / Family Floater
Plan Type
Individual / Family Floater
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
Across 11 compared features, Optima Secure+ leads on 9 and ReAssure 2.0 (Platinum+) on 2. Optima Secure+ is the stronger overall pick, notably on Domiciliary, Organ Donor Cover and Modern Treatments. ReAssure 2.0 (Platinum+) still wins on Bonus Rate and % Settled < 30 Days, so weigh those if they matter to you.
Winner is decided by how many of the 11 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
