Sum insured₹10 L – ₹1 Cr
CSR—
Network hosp.7K+
PlanIndividual
- Zero co-payment at any age
- No room rent cap (any room category)
- 100% restoration of sum insured
Covers: Self + spouse (2 adults 18+), Up to 4 dependent children (3 months–25 years)
HDFC ERGO
HDFC ERGO Optima Secure
Sum insured
₹5 L – ₹75 L
13K+Network
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Key features
- No room rent limit — stay in any room
- 100% unlimited restoration of sum insured (multiple times/year)
- Highest CSR in industry (~98%)
- No co-payment at any age
- Modern treatments covered in base plan
- Consumables covered (gloves, PPE, etc.)
- Global emergency cover
- Inflation protect: 10% automatic SI increase yearly
- Health check-up benefit
- Ambulance charges covered
What’s included
- In-patient hospitalization
- Day care procedures
- Home care treatment
- Pre/post hospitalization (60/180 days)
- AYUSH treatment
- Donor expenses
What’s excluded
- Cosmetic surgery (unless reconstructive)
- Self-inflicted injuries
- War, nuclear contamination
- Substance abuse-related treatment
- Treatment outside India (unless specified)
Eligibility
- Min age
- 18 years
- Max age
- 65 years
- Max entry age
- 65 years
- Covers
- Self, Spouse, Children, Parents
- Policy term
- 1 / 2 / 3 years
- PED waiting period
- 36 months
- Initial waiting
- 30 days
- Co-payment
- Nil
- Room rent
- No room rent limit (any room including suite)
- No-claim bonus
- 50% cumulative bonus per claim-free year, up to 100%
Similar plans
Aditya Birla Health
Aditya Birla Activ Health Platinum
Sum insured₹5 L – ₹20 Cr
CSR—
Network hosp.13K+
PlanIndividual
- Day-1 cover for 7 listed chronic conditions (incl. hypertension, diabetes, asthma) under Chronic Management Programme
- Super Reload — 100% restoration of SI, unlimited times per policy year, for related and unrelated illnesses
- Super Credit (optional) — 100% SI increase every year regardless of claims, capped at 500% / ₹3 Cr
Covers: Self, Spouse, Children, Parents, Parents-in-law, Siblings, Grandparents, Extended family
Bajaj General Insurance
Bajaj Allianz Health Guard
Sum insured₹1.5 L – ₹50 L
CSR—
Network hosp.8K+
PlanIndividual
- Three variants: Silver, Gold, Platinum (increasing benefits)
- In-patient hospitalisation
- Pre-hospitalisation (60 days)
Covers: Self, Spouse, Dependent children, Parents, Parents-in-law, Siblings (limited)
Care Health
Care Supreme
Sum insured₹5 L – ₹6 Cr
CSR—
Network hosp.10K+
PlanIndividual
- Unlimited restoration of sum insured
- Sum insured up to ₹6 Crore
- No claim bonus up to 150%
Covers: Self, Spouse, Children, Parents