Two policies, every clause that decides your claim. No commissions, no sponsored winners.
Optima SecureHDFC Ergo · ★ 4.7
vs
ElevateICICI Lombard · ★ 3.7
Financial Limits
No limit
Room Rent Limit
No limit
No limit
ICU Limit
No limit
No
Co-Pay
Yes
No
Disease Sub-limit
No
Waiting Periods
30
Initial Waiting (Days)
30
2
Specific Disease Waiting (Years)
1
3
Pre-existing Disease Waiting (Years)
1
Pre/Post-Hospitalisation
60 days (Covered up to: sum insured)
Pre-Hospitalisation
90 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
Yes
Yes (Covered up to: sum insured)
Organ Donor Cover
No
Yes (Covered up to: sum insured)
Modern Treatments
No
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
Previous year's SI, max 20%
100%
Bonus Max Limit
100%
No
Reduction in Bonus on Claim
No
Claims Experience
96.63%
% Settled < 30 Days
99.94%
0.15%
% Complaints on Claims
0.14%
87.04%
Incurred Claim Ratio
85.53%
95.19%
Claim Settlement Ratio (No.)
82.79%
77.69%
Claim Settlement Ratio (Value)
63.92%
2.47%
Claim Rejection Ratio
14.11%
15,000+
Cashless Hospitals
10,700+
Pricing & Extras
Expensive
Affordability
NA
Individual
Plan Type
Individual
Double the sum insured from your first day of coverage
Extra Features
NA
Verdict: Optima Secure takes it.
Winner: Optima Secure
Optima Secure · ★ 4.7/5Elevate · ★ 3.7/5
Across 15 compared features, Optima Secure leads on 9 and Elevate on 6. Optima Secure is the stronger overall pick, notably on Co-Pay, Domiciliary and Organ Donor Cover. Elevate still wins on Specific Disease Waiting (Years), Pre-existing Disease Waiting (Years) and Pre-Hospitalisation, so weigh those if they matter to you.
Winner is decided by how many of the 15 compared features each plan leads on, with our coverage-and-claims score breaking a tie. Always confirm the fine print before you buy.
