Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Optima SecureHDFC Ergo · ★ 4.7
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
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 (Covered up to: sum insured)
180 days (Covered up to: sum insured)
Post-Hospitalisation
180 days (Covered up to: sum insured)
Yes (Covered up to: sum insured)
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
Partial exhaustion of Sum Insured
Refill Trigger
Partial exhaustion of Sum Insured
Unlimited times in a policy year (Add-on)
Refill Limit
Unlimited times in a policy year
Subsequent claims
Refill Applicable Claim
Subsequent claims
Yes
Consumables
Yes
Bonus
50%
Bonus Rate
100%
100%
Bonus Max Limit
No cap
No
Reduction in Bonus on Claim
No
Claims Experience
96.63%
% Settled < 30 Days
96.63%
0.15%
% Complaints on Claims
0.15%
87.04%
Incurred Claim Ratio
87.04%
95.19%
Claim Settlement Ratio (No.)
95.19%
77.69%
Claim Settlement Ratio (Value)
77.69%
2.47%
Claim Rejection Ratio
2.47%
15,000+
Cashless Hospitals
15,000+
Pricing & Extras
Expensive
Affordability
Expensive
Individual
Plan Type
Individual / Family Floater
Double the sum insured from your first day of coverage
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+
Optima Secure · ★ 4.7/5Optima Secure+ · ★ 4.7/5
Across 3 compared features, Optima Secure+ leads on 3 and Optima Secure on 0. Optima Secure+ is the stronger overall pick, notably on Refill Limit, Bonus Rate and Bonus Max Limit.
Winner is decided by how many of the 3 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
