Policy Comparison Tool
Compare Policies Side by Side
Compare Health, Term, and ULIP policies side by side. Our engine auto-detects red flags — co-payment traps, high charges, low CSR — and highlights them instantly.
HDFC ERGO
Optima Restore
HealthSureCover Rating
94/100
Annual Premium
₹14,200
No red flags detected
HDFC Life
Click 2 Protect Super
TermSureCover Rating
93/100
Annual Premium
₹9,200
No red flags detected
HDFC Life
Click 2 Invest
ULIPSureCover Rating
65/100
Annual Premium
₹60,000
3 red flags detected
Detailed Comparison
Red highlighted cells = risk factors requiring attention
| Feature | HDFC ERGO Optima Restore Health | HDFC Life Click 2 Protect Super Term | HDFC Life Click 2 Invest ULIP |
|---|---|---|---|
| Annual Premium | ₹14,200 | ₹9,200 | ₹60,000 |
| Sum Insured / Assured | ₹15.0L | ₹1.0Cr | ₹10.0L |
| Claim Settlement Ratio | 98.6% | 98.6% | 98.6% |
| Solvency Ratio | 1.87 | 1.87 | 1.87 |
| Waiting Period (Pre-existing) | 3 years | N/A | N/A |
| Co-payment | 0% | N/A | N/A |
| Room Rent Cap | No Cap ✓ | N/A | N/A |
| Network Hospitals | 13,000+ | N/A | N/A |
| Cashless Claim Speed | 2–4 hours | N/A | N/A |
| Policy Term | N/A | 35 years | N/A |
| Return of Premium | N/A | Yes ✓ | N/A |
| Critical Illness Benefit | N/A | Not Available | N/A |
| Accidental Death Benefit | N/A | Available ✓ | N/A |
| Lock-in Period | N/A | N/A | 5 years |
| Fund Options | N/A | N/A | 10 funds |
| Mortality Charges | N/A | N/A | Moderate |
| Expected Returns (Post Charges) | N/A | N/A | 7–10% |
| SureCover Rating | 94/100 | 93/100 | 65/100 |
Red Flag Details
HDFC ERGO — Optima Restore
HDFC Life — Click 2 Protect Super
HDFC Life — Click 2 Invest
Key Strengths
HDFC ERGO — Optima Restore
HDFC Life — Click 2 Protect Super
HDFC Life — Click 2 Invest
All Available Policies
Browse Health, Term, and ULIP policies. Select up to 3 to compare.
HDFC ERGO
Optima Restore
Premium
₹14,200
Rating
94/100
Star Health
Comprehensive
Premium
₹9,800
Rating
81/100
Niva Bupa
ReAssure 2.0
Premium
₹13,600
Rating
87/100
Bajaj Allianz
Health Guard
Premium
₹6,400
Rating
68/100
Care Health
Care Supreme
Premium
₹18,500
Rating
88/100
ICICI Prudential
iProtect Smart
Premium
₹8,900
Rating
90/100
HDFC Life
Click 2 Protect Super
Premium
₹9,200
Rating
93/100
Max Life
Smart Secure Plus
Premium
₹11,400
Rating
92/100
Tata AIA
Sampoorna Raksha Supreme
Premium
₹8,600
Rating
91/100
SBI Life
eShield Next
Premium
₹7,800
Rating
84/100
LIC
New Jeevan Anand
Premium
₹52,000
Rating
58/100
HDFC Life
Click 2 Invest
Premium
₹60,000
Rating
65/100
ICICI Prudential
Signature ULIP
Premium
₹1.0L
Rating
70/100
SBI Life
Smart Wealth Builder
Premium
₹50,000
Rating
67/100
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. ULIP returns are market-linked and not guaranteed. 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.