Policy Comparison Tool

Compare Policies Side by Side

Select up to 3 policies. Our engine auto-detects red flags — co-payment traps, room rent caps, low CSR — and highlights them instantly.

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HDFC ERGO

Optima Restore

Health

SureCover Rating

94/100

Annual Premium

₹14,200

No red flags detected

Star Health

Comprehensive

Health

SureCover Rating

81/100

Annual Premium

₹9,800

3 red flags detected

Niva Bupa

ReAssure 2.0

Health

SureCover Rating

87/100

Annual Premium

₹13,600

2 red flags detected

Detailed Comparison

Red highlighted cells = risk factors requiring attention

Feature	HDFC ERGO Optima Restore	Star Health Comprehensive	Niva Bupa ReAssure 2.0
Annual Premium	₹14,200	₹9,800	₹13,600
Sum Insured / Assured	₹15.0L	₹10.0L	₹15.0L
Claim Settlement Ratio	98.6%	99.1%	91.2%
Solvency Ratio	1.87	1.65	1.72
Waiting Period (Pre-existing)	3 years	4 years	3 years
Co-payment	0%	10%	0%
Room Rent Cap	No Cap ✓	Capped ⚠️	No Cap ✓
Network Hospitals	13,000+	14,000+	10,000+
Cashless Claim Speed	2–4 hours	4–6 hours	3–5 hours
SureCover Rating	94/100	81/100	87/100

Red Flag Details

HDFC ERGO — Optima Restore

No red flags — passes all checks

Star Health — Comprehensive

Room rent capped at 1% of SI per day

10% co-payment after age 60

Waiting period 4 years for pre-existing

Niva Bupa — ReAssure 2.0

CSR below 95% threshold

Some sub-limits on day-care procedures

Key Strengths

HDFC ERGO — Optima Restore

Auto-restore of sum insured

No room rent cap

0% co-payment

No-claim bonus 50%

Star Health — Comprehensive

Largest network in India

High CSR 99.1%

Maternity covered after 12 months

Niva Bupa — ReAssure 2.0

Lock the clock feature

0% co-pay

Booster benefit for no claims

All Available Policies

Browse and add policies to your comparison. Select up to 3.

HDFC ERGO

Optima Restore

Health

Premium

₹14,200

Rating

94/100

Star Health

Comprehensive

Health

Premium

₹9,800

Rating

81/100

3 red flags

Niva Bupa

ReAssure 2.0

Health

Premium

₹13,600

Rating

87/100

2 red flags

ICICI Prudential

iProtect Smart

Term

Premium

₹8,900

Rating

90/100

HDFC Life

Click 2 Protect Super

Term

Premium

₹9,200

Rating

93/100

Bajaj Allianz

Health Guard

Health

Premium

₹6,400

Rating

68/100

5 red flags

Max Life

Smart Secure Plus

Term

Premium

₹11,400

Rating

92/100

LIC

New Jeevan Anand

ULIP

Premium

₹52,000

Rating

58/100

4 red flags

Data Note: CSR and solvency data sourced from IRDAI Annual Report 2023–24. Premium estimates are indicative based on a 32-year-old non-smoker in a Metro city. Actual premiums depend on age, health declaration, and underwriting. SureCover is an independent analysis platform and does not sell insurance policies or receive commissions from any insurer. Always verify data on irdai.gov.in before purchase.