Premium depends on your profile
Health Insurance · head to head
Platinum Lite Health Plan vs Optima Restore
HDFC ERGO
Optima Restore
Sample premium
₹19,589 a year*
Specifications side by side
Spec
Platinum Lite Health Plan
Optima Restore
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
10 lakh, 25 lakh, 50 lakh, 1 crore
3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
—
91 days to 65 years
Room rent
No limits; any room of choice; no ICU day/charge limits
No sub-limit on room rent
Co-payment
Zero co-pay as a standard feature
None (optional co-payment)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Instant addition of 100% Basic Sum Insured on complete or partial utilization; restored only once in a Policy Year
No-claim bonus
—
Multiplier Benefit: 50% of Base Sum Insured per renewal irrespective of claims, maximum 100% of Basic Sum Insured
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Not covered
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Not covered
Premium
Sample annual premium
—
₹19,589
Sample premium is for
—
Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers
Insurer
Health incurred claim ratio (insurer)
57.82%
84.85%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
13,200
16,000+
IRDAI UIN
ACKHLIP25035V022425
HDFHLIP26055V102526
A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.
Pros and cons
Platinum Lite Health Plan
- Pro: No co-payment on claims
- Pro: No room-rent cap
Optima Restore
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap