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Posted on September 25, 2025
Choosing between HDFC ERGO OPTIMA SECURE and ManipalCigna SARVAH Uttam can depend on your specific needs. Both plans offer robust health insurance options, but they differ in restoration benefits, USPs, and eligibility. Below is a detailed comparison to help you decide.
| Benefits | HDFC ERGO OPTIMA SECURE | ManipalCigna SARVAH Uttam |
|---|---|---|
| Restore Trigger Condition | Unlimited restoration | Unlimited restoration (Add-on) |
| Hospital Accommodation | Any room available | Single Private AC Room |
| Pre & Post Hospitalisation (days) | 60 & 180 | 90 & 180 |
| Pre-Existing Diseases | After 3 Years | After 3 years |
| Non Medical Items | Inbuild non medical item cover | NME & DME (Optional) |
| Day-Care Treatments | Yes (All) | Yes (All) |
| OPD Benefit | N.A | No |
| Free Health Check Up | Annually (After every renewals) | Annually (Optional) |
| No Claim Bonus | GB 50% per year up to 100% | Guranteed Bonus 100% / year upto 1000% (Optional) |
| Maternity | Available after 2 Year upto 2 Lakh | Available after 3 Year upto 1 Lakh |
| Renewal Discount | NA | 2.5% Discount Every Year ( Renewal 30 days before due date) |
| USP | Any Room Availability, 2X Coverage from Day 1, Inbuild non medical item cover, No Zone wise sub limits and co-payment | Pay for 5 Lakh and Get 55 Lakh Cover, ABCD PED cover after 30 days (add-on), Any Room Availability, PA cover with TTD Benefit |
HDFC ERGO OPTIMA SECURE offers unlimited restoration and any room availability, making it ideal for flexibility. ManipalCigna SARVAH Uttam stands out with its high guaranteed bonus (up to 1000%) and maternity benefits, perfect for families planning long-term coverage. Eligibility includes child age 91 days to 25-30 years and proposer age 18-65 years, with terms of 1-3 years.
Premiums vary by zone and include 18% GST. Consult an expert for a customized quote.
GB = Guaranteed Bonus, CB = Cumulative Bonus, NCB = No Claim Bonus. ^^ABCD cover: Asthma, Blood Pressure, Cholesterol, Diabetic.
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