HDFC Optima secure vs Optima restore are the two most sold health insurance plans of HDFC. However these two products namely HDFC Optima secure vs Optima restore are giving bottle neck comparison to each other.
Due to the large range of alternatives and perks offered by companies, purchasing health insurance becomes a tedious and time-consuming process. But in this post we will evaluate optima secure vs optima restore on different parameters and understand the difference between optima restore and optima secure.
Table of Contents
HDFC Optima Secure Vs Optima Restore – Detailed Comparison
| HDFC Optima Secure | Vs Optima Restore | ( BestInvestIndia.com) |
| Feature | HDFC Ergo Optima Restore | HDFC Ergo MYOptima Secure |
| Minimum Age at Entry | 91 days | 91 days |
| Maximum Age at entry | 65 years | 65 years ( 25 years for dependent child) |
| Sum Assured | Rs 3 Lac, 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac | 5 Lac, 10 Lac, 15 Lac, 20 Lac, 25 Lac, 50 Lac,1 crore, 2 crore |
| Room Rent | Actual | SA less than 50 lakh- Single AC Private room , SA ABOVE 50 lakh – any room |
| Sub limit | No sub-limit on room rent | No sub-limit on room rent |
| Renewability | Life-long | life long |
| Pre hospirtalization | 60 days prior | 60 days prior |
| Post Hospitalization | 180 days after hospitalization | 180 days after hospitalization |
| Waiting Period | 30 days initial waiting period | 30 days initial waiting period |
| Pre- existing cover | 3 years | 3 years |
| Day care procedures | Up to sum assured | Up to sum assured |
| Domiciliary treatment | Up to sum assured | Up to sum assured |
| Ambulance | up to 2000 | up to sum Assured |
| Air ambulance | up to 2.5 lac ( applicable for basic sum assure ABOVE 5 lac)) | up to 5 lac |
| Organ donor | Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the recipient is covered | up to sum Assuared |
| Restore Benefit | 100% of basic SA ( for any illness any insured person | 100% of basic SA ( for any illness any insured person |
| Unlimted Restore benefit | Optional | NA |
| Multiplier benefit/ Bonus/NCB | Bonus of 50% of basic SA for every claim free policy year, maximum up to 100% of SA. In case of a claim, accumulated bonus will be reduced by 50% | Named as PLUS BENEFIT – Bonus of 50% of basic SA for 1st and 2nd policy year, maximum up to 100% of SA, , irrespective of any claims made. |
| E Opinion in respect of a critical illness | Second opinion by a Medical Practitioner from HDFC panel, for a Critical Illness suffered during the policy period. “Critical Illness” includes Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Kidney Failure requiring regular dialysis, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs and Stroke resulting in permanent symptoms | One per policy year ( for 51 defined list) |
| Daily cash for choosing shared accommodation | 800/day ( max 4800) – For SA up to 15 lakh {1000/day ( max 6000) – For SA above 15 lakh | 800/day ( max 4800) if hospitalization exceeds 48 hrs |
| Stay active Benefit | with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium, if you achieve step count target on the HDFC Moile application | NA |
| Up to sum assured | Up to sum assured | |
| Tax benefits under 80D | Tax benefits under 80D of Income Tax Act | Tax benefits under 80D of Income Tax Act |
| renewal | Lifelong renewal | Lifelong renewal |
| Preventive health check up | At renewal ( available once at the end of block of every 2 policy years on basic sum assure of 5 lac and at the end of every yearon SA 10 lakh and above | Every policy year individual SA 5 lac – 1500, Floater 5 lac -2500 |
| Premium Individual | 18-35 year age | |
| 5 lac | Rs.9753 | Age 34 -13688 ,Age 35 -13865 |
| 10 lac | Rs.12261 | |
| Family Floater | ||
| Age of family members | 42/39/10/8 | |
| Sum Assured-5 lac | 23681 + gst | |
| Sum Assured-10 lac | ||
| Alternate treatment | No cover provided | yes- Ayurveda,Yoga , naturopathy,unani,Siddha and homeopathy |
| Ayush Treatment | No Cover | In patient hospital expenses |
| Secure benefit | Not Applicable | Instatly get covered for double SA |
| Protect Benefit | Not Applicable | Non medical expenses are covered Upto 10-20% of medical bills) |
Domiciliary treatment -Medical expenses incurred for availing medical treatment at home due to health conditions or unavailability of bed at the hospital, which would otherwise have required hospitalisation.
What is Restore Benefit
The restore benefit provide instant addition of Basic Sum Insured on complete or partial utilization of existing Policy sum Insured ( and Multiplier Benefit (if applicable)) during the Policy Year.
The restore sum insured can be used to all claims including claims for same illness/disease for which a claim has already been paid.
However, single claim in a Policy Year cannot exceed the sum of Basic Sum Insured and Multiplier Benefit (if any).
Please note that the restore benefit gets activated from the subsequent (next) hospitalization.
Major difference Between Optima Restore Vs Optima Secure
Sum Assured
The first and obivious difference is between sum assured of both. While you can buy health insurance policy for 3 lac SA in restore policy, the limit of secure plan starts from 5 lac.
Even the maximum Cover in optima restore is 50 lac while it is 2 crore in case of optima Secure.
Bonus
In case of Optima Restore, bonus is termed as Multiplier benefit. As per the policy wordings-
50% increase in your basic sum insured for every claim free year, subject to a maximum of 100%. In
HDFC Ergo Health Optima Restore Brochure
case a claim is made during a policy year, the limit under this benefit would be reduced by 50% of the
basic sum insured in the following year. However, this reduction will not reduce the Sum Insured below
the basic Sum Insured of the policy.
Suppose your SA is 10 lac. In case of no claim your SA will increase to 15 lac from second year and 20 lac in third year. In case you take a claim in third year than cover will be reduced to 17.5 lac.
While in case of optima secure the benefit is same. But the major difference NCB is given irrespective of claim. The bonus will be given by default whether you take a claim or do not take a claim.
Ambulance
The other major difference is ambulance charge. Please refer to the table for details.
Preventive health check up, Stay active & Daily cash
There are some limits attached to the plans. Please refer to the table.
Alternate Treatment
Alternate & Ayush treatment are ONLY covered in HDFC Optima Secure plan. But the cover is only provided in case of hospitalization for 24 hours.
Secure Benefit
Secure benefit is only applicable in case of Optima Secure Plan. Under this option you get covered for 2X i.e. double Sum Assured from day 1. There is no such facility in optima restore.
Protect Benefit
Protect benefit is only applicable in case of Optima Secure Plan.
Protect Benefit of Optima Secure guarantees payment of consumables, which include listed non-medical expenses like gloves, masks, nebulizer kits and so on. It’s built-in, and automatically available at no extra charge.
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How Expensive is Hdfc ergo optima secure vs optima restore?
Although Hdfc ergo optima secure policy is providing double SA cover, bonus payment irrespective of claim taken or not, payment of consumables, its premium is 40% higher as compared to HDFC Optima Restore. Please refer to the table for premiums. Additionally it’s premium will will increase year on year.
However, you can buy reduced cover in case of Optima Secure to compensate for the premium.
Additional Reading
HDFC Health Optima Restore- Unique Policy with restore benefit
Health Insurance-Which is better family floater or individual
How to decide health insurance cover amount?
How to increase Health Cover cost effective way?
Also Read the latest launched Health Insurance from Niva bupa
