27/01/2026
*Elevate vs HDFC Optima Secure: Why Elevate Stands Out*
• *Higher Sum Insured Options*: Elevate offers coverage up to ₹300L and even unlimited SI, compared to HDFC Optima Secure's maximum of ₹200L.
• *Wider Age of Entry*: Elevate covers individuals up to 125 years, while HDFC Optima Secure covers adults only up to 65 years.
• *Reset Benefit*: Elevate provides unlimited reset benefits for both related and unrelated illnesses, while HDFC Optima Secure allows only one reset for related illnesses.
• *Loyalty Bonus*: Elevate offers a 20% increase in SI every claim-free year, up to 100%, without reducing after claims. HDFC Optima Secure offers a 50% increase per year, but it caps at 100% and resets after a claim.
• *Room Rent Capping*: Elevate provides a single private room as standard, while HDFC Optima Secure offers room rent at actuals, which may vary based on hospital policies.
Additional points:
• Elevate offers optional worldwide coverage up to ₹3 Cr for planned and emergency treatments, while HDFC Optima Secure only covers emergency treatments worldwide.
• Elevate provides coverage for surrogate mothers and oocyte donors, which is not available in HDFC Optima Secure.
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