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Posted on September 25, 2025
Choosing the right health insurance plan can be overwhelming. At MiShield.in, we compare top plans like HDFC ERGO OPTIMA SECURE, ManipalCigna SARVAH Uttam, CARE Supreme, and TATA Medicare SELECT to help you decide. Below is a detailed comparison based on key benefits, USPs, and eligibility. All plans offer tax benefits under Section 80D and are subject to IRDAI guidelines.
| Benefits | HDFC ERGO OPTIMA SECURE | ManipalCigna SARVAH Uttam | CARE Supreme | TATA Medicare SELECT |
|---|---|---|---|---|
| Restore Trigger Condition | Unlimited restoration | Unlimited restoration (Add-on) | Unlimited restoration (inbuilt) | Unlimited restoration (inbuilt) |
| Hospital Accommodation | Any room available | Single Private AC Room | Any room available | Single Private AC Room |
| Pre & Post Hospitalisation (days) | 60 & 180 | 90 & 180 | 60 & 180 | 90 & 90 |
| Pre-Existing Diseases | After 3 Years | After 3 years | After 3 years | After 3 years |
| Non Medical Items | Inbuild non medical item cover | NME & DME (Optional) | Care shield (Optional) | Consumable (Optional) |
| Day-Care Treatments | Yes (All) | Yes (All) | Yes (All) | Yes (All) |
| OPD Benefit | N.A | No | OPD Care (Optional) | OPD (Optional) |
| Free Health Check Up | Annually (After every renewals) | Annually (Optional) | Annually (Optional) | FreeHealthCheck-up (Optional) |
| No Claim Bonus | GB 50% per year up to 100% | Guranteed Bonus 100% / year upto 1000% (Optional) | NCB 50%,upto 100% Guranteed Bonus (Optional) upto 500%,NCB 50%,Super Charge (Optional) upto 300% | NCB 50%,upto 100% |
| Maternity | Available after 2 Year upto 2 Lakh | Available after 3 Year upto 1 Lakh | Not Available | Available after 1 Year upto 1 Lakh |
| Renewal Discount | NA | 2.5% Discount Every Year ( Renewal 30 days before due date) | Upto 30% Wellness Discount | Upto 20% Claim Favorable Discount |
| 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 | 100% GB Every year unlimited, Instant ABCD diseases Cover^^, No limits in room rent, Unlimited Sum insured Benefit | Multiplier Benefit 2X , 3X, 4X Coverage Available, Early Access (Total SI available for multi year policy), Advance Cover (Optional ABCD diseases cover), 7.5% Discount for Salaried Customer, 10% Discount for Young Family |
Based on this comparison, HDFC ERGO OPTIMA SECURE stands out for its unlimited restoration and any room availability, while ManipalCigna SARVAH Uttam offers excellent maternity benefits. CARE Supreme is ideal for unlimited guaranteed bonuses, and TATA Medicare SELECT provides flexible multiplier options. Choose based on your needs like family size or pre-existing conditions.
Eligibility: Child age 91 days to 25-30 years; Proposer 18-65 years; Terms 1-3 years; Family size up to 4 adults + 6 children. Premiums vary by zone and include 18% GST. Consult an expert for customized quotes.
GB = Guaranteed Bonus, CB = Cumulative Bonus, NCB = No Claim Bonus. ^^ABCD cover: Asthma, Blood Pressure, Cholesterol, Diabetic.
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