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Last updated on: September 19, 2025
The HDFC Ergo Optima Restore Plan and ICICI Lombard Elevate Combo Plan are both popular health insurance policies in India, each with unique offerings. The Optima Restore Plan by HDFC Ergo stands out for its automatic sum insured restoration—restores your policy amount if used up in a claim in the same year—and offers lifelong renewability, broad hospital network, and comprehensive coverage for families and individuals. In contrast, ICICI Lombard’s Elevate Combo Plan combines health, wellness, and OPD benefits, featuring wellness rewards, cashless OPD, and tele-consultations, making it ideal for those seeking outpatient benefits alongside hospitalization. While HDFC Ergo’s plan excels in traditional hospitalization benefits and sum restoration, ICICI Lombard appeals to users valuing preventive care and OPD inclusion. Choosing between them depends on whether you prioritize robust inpatient coverage (HDFC Ergo) or extensive OPD/wellness features (ICICI Lombard).
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Indian families of 2025 may have a difficult time in deciding between HDFC Ergo Optima Restore Plan and ICICI Lombard Health AdvantEdge Elevate Combo Plan. They are both preferred health insurance schemes, and they are characterized by their strong characteristics, extensive range of hospitals, and new coverage privileges. The one that will best suit you will depend on how old you are, your health condition, and how much you expect to pay.
This is a complete comparison of HDFC Ergo Optima Restore and ICICI Lombard Elevate Combo Plan in all my key angles. Some of the policy features we discuss include sum insured, room rent, restoration benefit, coverage of pre-existing diseases, wellness, waiting period, add-on covers, and claim settlement.
There will also be practical illustrations, professional opinions as well as FAQ to help you eliminate any confusion you may have with these high ranking health insurance products that are developed to suit Indian policy purchasers in 2025.
Did you know? Most recent IRDAI (2024-2025) statistics indicate that 1 out of 3 Indians currently purchase policies that include restore and wellness benefit because of the increased number of lifestyle disorders.
People also ask:
Q. Am I eligible to transfer my current health insurance to these plans in 2025?
Yes, it is possible to transfer your health insurance to such plans during the renewal period and retain the benefits of past policy tenure.
Expert opinion: According to financial advisors when you have aging parents, lifestyle related risks, restore and high sum insured plans are peaceful.
| Combination | HDFC Ergo Optima Restore | ICICI Lombard Elevate Combo |
|---|---|---|
| Network Hospitals | 14,000 plus | 12,000 plus |
| Claim Settlement Ratio | 99.7 percent (FY 24-25) | 99.2 percent (FY 24-25) |
| Mean Settlement Time | 30 minutes (cashless) | 40 minutes (cashless) |
| Home Visit (Claims) | Yes (in some cities) | Yes (with aged citizens) |
| Mobile App Claims | Yes | Yes |
| Lifetime Renewability | Yes | Yes |
People also ask:
Q. How do the policies provide the process of claim?
The claims are both app based and 24x 7 helplines. Before or at the time of hospitalization, cashless requests may be increased.
Most of the customers include these riders to add value to the basic health plan according to the life stage and family size.
Did you know? By 2025, the claim in metro Indian cities exceeds 50 per cent. not only of hospitalization but also of day care, OPD and existing treatment.
| Age (Years) | Sum Insured (Rs. lakh) | Optima Restore Plan Premium (Annual, Family of 2 adults plus 1 child) | Elevate Combo Plan Premium (Annual, Family of 2 adults plus 1 child) |
|---|---|---|---|
| 30 | 10 | Rs. 16,200 | Rs. 15,500 |
| 35 | 20 | Rs. 20,450 | Rs. 19,900 |
| 40 | 30 | Rs. 25,300 | Rs. 24,700 |
| 50 | 50 | Rs. 45,800 | Rs. 44,200 |
| 60 | 10 | Rs. 29,900 | Rs. 28,200 |
People also ask:
Q. Have higher pre-existing disease premiums?
Not at the first instance, but in both the policies loading can be applied on repeat claims.
The two provide high number of hospitals in their network, claim settlement and digital services.
You are selected based on your family structure, budget and cover priorities.
People also ask - commonly asked questions:
Q. Which one is more appropriate in the case of a family with children and parents over 60 years?
HDFC Ergo Optima Restore is favored because of repeated claims and more room flexibility to the elderly family members.
Q. Will the two plans take care of daycare and modern treatments?
Yes, these two plans include more than 500 daycare procedures and new age treatment such as Robotic Surgery and AYUSH.
Q. Which is more digital wellness and rewards?
ICICI Lombard Elevate Combo is very strong in mobile app application, wellness benefits, and OPD benefits.
Q. Is there a medical checkup pre-purchase of such plans?
In most cases, yes to the older ones who are over 45. Otherwise, a claim of health is adequate.
Q. Will I be able to purchase these online policies in 2025?
Yes, eKYC and support of digital signature is available instantly online.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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