HDFC ERGO Optima Secure vs ICICI Lombard Elevate | Which is Better? *DETAILED* Comparison | Ditto

In today’s video, we're diving deep into a head-to-head comparison of HDFC Optima Secure vs ICICI Elevate. Both of these health insurance plans are popular options in India, but they offer distinct features and benefits that could make one a better fit for you than the other. Whether you’re already looking at HDFC Ergo Optima Secure Health Insurance or considering ICICI Lombard Elevate Plan, this comparison will help you make an informed decision. We'll be breaking down key aspects like coverage, pricing, additional benefits, and more. So if you're trying to choose between Optima Secure vs Elevate, stay tuned!

When it comes to choosing between HDFC Optima Secure vs ICICI Elevate, both plans bring unique strengths to the table. The HDFC Ergo Optima Secure Plan offers some notable features like a progressive coverage boost after a claim-free year and flexibility in room rent options. This is ideal for those looking for a balance between affordability and comprehensive coverage. On the other hand, ICICI Lombard Elevate comes with a higher initial coverage amount and a range of value-added services, including wellness benefits and discounts on health check-ups.

The ICICI Lombard Elevate Plan also has strong points with its wellness incentives, which reward you for maintaining a healthy lifestyle. With ICICI Lombard Health Insurance, you also get access to the ICICI Lombard Elevate Details that include options for add-ons, maternity benefits, and specialized care that cater to family needs.

Meanwhile, HDFC Ergo Optima Secure Health Insurance emphasizes coverage extensions through its Optima Secure Plan, which automatically increases your sum insured without additional premiums after the first year. This is especially useful for those who want their health insurance to grow in value over time. If you're comparing HDFC Ergo Optima Secure vs ICICI Elevate, consider these differences carefully to match your specific health requirements and financial plans.

Key Takeaways from the Video
- HDFC Optima Secure vs ICICI Elevate comparison covers pricing, features, and additional benefits.
- ICICI Lombard Elevate Plan includes wellness benefits and healthy lifestyle incentives.
- HDFC Ergo Optima Secure Plan boosts coverage each year after a no-claim period, increasing the sum insured automatically.
- Optima Secure HDFC Ergo Health Insurance is ideal for those who prefer long-term value, with rising coverage over time.
- ICICI Lombard Elevate Details offer a strong initial coverage amount, with family-friendly benefits like maternity coverage and OPD benefits.
- HDFC Ergo Optima Secure Review highlights affordability and flexibility in room rent and treatment costs.
- Both HDFC vs ICICI plans are excellent choices for different types of health insurance needs.
- For individuals looking for comprehensive coverage with wellness perks, ICICI Lombard Health Insurance Review might offer better incentives.
- For those focused on long-term health protection and increasing coverage, Optima Secure HDFC Ergo Review may be the way to go.
- Ensure that you understand the add-on options, as these can make a big difference depending on your lifestyle and family health needs.

Timestamps:

0:00 - Introduction
1:13 - The hype around ICICI Elevate Plan
1:48 - ICICI Lombard Elevate Policy Details and in-depth review
3:25 - ICICI Elevate Add-ons Discussion - What makes the plan great!
5:18 - Benefits and Policy Features of HDFC Ergo Optima Secure
7:28 - Why ICICI Elevate could be better than HDFC Optima Secure for a few people
9:18 - Basic Coverages of ICICI Lombard Elevate and HDFC ERGO Optima Secure
12:05 - Premiums Comparison between ICICI Elevate and HDFC ERGO Optima Secure
15:09 - Drawbacks of HDFC Ergo Optima Secure
17:02 - Drawbacks of ICICI Lombard Elevate
18:52 - Metrics of ICICI Lombard Elevate
20:20 - What does Ditto Recommend? HDFC Ergo Optima Secure vs ICICI Lombard Elevate

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Happy Insurance Hunting!

[gopichandarselvaraj]

please compare - HDFC ERGO Optima Secure vs Adithya Birla Active One Max

[arunmohanty]

Please elaborate unlimited restoration for Modern treatments is valid in these plans or is there a limit on 12 modern treatments as mandated by IRDAI

[Vivek.Parmar]

You mentioned that optima secure is almost 50% more expensive. But as it gives 2x coverage from day 1 so doesn't it makes sense to compare HDFC 5 lacs policy with ICICI 10 lacs policy?

[paritoshparashar]

I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?

[jaidattadethe]

My mom has ibd disease and none of the companies are taking risks to issue insurance to her. What would be your recommendations. Is there are any other options so that she could be able to get health insurance

[debjitdutta]

Does Ditto offer ICICI Lombard Health Insurance like ICICI Elevate ?

[SugundanM]

Thanks for making this video. Its so helpful!

[vikashtyagi]

Please Compare Niva Bupa Gold, platinum with HDFC Ergo

[kalubalu]

Hi bro, ..one question - Care Supreme, Nuva bupa, Manipal Cigna or Aditya Birla... for hassle free claims... thanks...I am porting from hdfc since they have shoot up premium huge and optima is too costly and increases premium yearly although we are the slab of 5 yrs... however hdfc claim process is appreciated...

[arunmohanty]

Sir if i have a high sum insured plan like 1 crore
Can we opt for proton therapy for cancer treatment in these plans or should i take a specific cancer plan like tata aig criti mediclaim

[lrsreddy]

Ditto should partner with Icici. It has good reputation with big hospitals.

[akshatbhatia]

Really insightful and unbiased, great job!

[anandgoud]

Ditto is a Corporate Insurance Agent which they don't tell in their videos.

Health Insurance - HDFC Ergo, Care, Niva Bupa and Aditya Birla

Life Insurance - HDFC life, Max, ICICI Prudential

One should not blindly trust them. They would never recommend a TATA or ICICI Health insurance.

[sugatamukherjee]

On September you have promised me that we will make a video of Bajaj Allianz but still you have not made it please make it

[thakurprajwalsingh]

Icici is the winner here. Get all the crucial add ons at the base price of Ergo.

[sorrybabu]

Let me correct you here ICICI Lombard Health Insurance Claim Settlement Ratio is 99.7 which is good. Overall Including Motor and other insurance CSR is 88.7.

[haranadhababu]

Pls do a vedio on hdfc ergo secure vs aditya birla active one

[sachindrad]

No No I think all he is tell is wrong I am seeing that there is only 3K or 2K more for my age in both of them and that is not 70/80% high as he says.. don't beleive any inluncers or any youtuber's do your own due intelligence/ resarch.. all these prople work for promotions. some 16K and 19K came for me and that is not 70/80% difference. other things I agree with him like waiting in ICICI can be bought as an Addon and reduced waiting period.

[VinodKumar-lqww]

please do compare HDFC ERGO Optima Secure vs Adithya Birla Active One Max

[praveenreddy]

My mother had a surgery (cesarian) 20 years back. Do I have to tell to insurance company if want to buy a policy. Because I took a policy 1 year back I didn't declare it. Please answer this question. Thank you