HDFC Ergo vs ICICI Lombard Health Insurance | Honest Comparison & Ratings | Beshak Insurance

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If you’re buying health insurance in 2026 or choosing a health insurance plan for your family, this video helps you shortlist the best health insurance plan using real industry data-backed research. We have done a detailed health insurance comparison of HDFC Ergo Optima Secure and ICICI Lombard Elevate, so you can decide what truly fits your needs in health insurance.

You’ll get a clear Optima Secure review, explaining the 2X Secure Benefit from Day 1, the Secure Plus structure, the Limitless add-on, and how its premium compares with other top health insurance plans. Alongside this, we break down the ICICI Lombard Elevate plan, covering features like the Power Booster Sum Insured increase, World wide cover Add-on, Infinite Care add-on and many more.

We then compare core benefits like room rent rules, pre and post-hospitalisation cover, day care and domiciliary treatments, restore and bonus structures, and waiting periods including the 30-day clause, specified illnesses, and the 3-year pre-existing disease rule. Most importantly, we analyse real claim performance and service quality using verified data on settlement speed, complaint ratios, incurred claim ratio, rejection rates, and customer service audits, ensuring this HDFC Ergo vs ICICI Lombard comparison is based on actual performance, not marketing claims — all reflected through Beshak Ratings.

HDFC Ergo vs ICICI Lombard Health Insurance | Honest Comparison & Ratings | Beshak Insurance

Disclaimer:
The figures, ratings, and data shared in this video are based on the most recent publicly available information at the time of recording. These metrics are dynamic and may change over time based on the insurer’s performance, regulatory updates, or revised disclosures. For the most up-to-date and accurate information, please visit Beshak.org or consult a qualified advisor before making any decisions.

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