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| Feature | ICICI Lombard - Health AdvantEdgeRead review | HDFC Ergo - Optima SecureRead review |
|---|---|---|
| Room Rent Limit | No | No |
| Co-Pay | No | No |
| Disease Sub-limit | No | No |
| Pre Hospitalisation | 60 days | 60 days |
| Post Hospitalisation | 180 days | 180 days |
| Refill of Base Cover | Unlimited (related and unrelated including complications) | Once (related and unrelated), Unlimited Add-On |
| Claim in which refill of cover can be applied | Subsequent claims | Subsequent claims |
| Time when refill will trigger | Partial exhaustion of Sum Insured & No Claim Bonus | Partial exhaustion of Sum Insured |
| Initial Waiting Period | 30 days | 30 days |
| Specific Illness Waiting Period | 2 years | 2 years |
| Pre-existing disease Waiting Period | 2 years | 3 years (reducible as add-on) |
| Day Care | Yes | Yes |
| Domiciliary | Yes (8 diseases exception) | Yes |
| Modern Treatment | Yes (Except robotic surgeries) | Yes |
| Road Ambulance | Yes (sublimit) | Yes (upto Base Sum Insured) |
| Air Ambulance | Yes (upto Base Sum Insured) | Yes (upto 5 lakhs) |
| Consumables | Add-On | Yes |
| Maternity | Yes | No |
| Bonus | Yes (20% upto 100%) NCB | Yes (50% upto 100%) (irrespective of claims) (Plus) |
| All India Treatment | Zonal Premium and Co-Pay | Zonal Premiums but No Co-Pay |
| Extra Features | 3x Base Sum Insured from Day1, but extra base sum is not restored (Secure) | |
| Affordability | Expensive | Affordable |