Best Health Insurance Plans 2025: HDFC ERGO Optima Secure vs Niva Bupa ReAssure 2.0 vs ICICI Elevate

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Confused about which health insurance policy to choose in 2025? In this video, I compare *three of India’s top health insurance plans**—HDFC ERGO Optima Secure, Niva Bupa ReAssure 2.0 Titanium+, and ICICI Lombard Elevate—**feature by feature, benefit by benefit, and with real premium numbers.*

*Intro*
Hi, I’m Latish, and I simplify financial and insurance decisions for families. We’ll cover everything you need: claim ratios, unique benefits, room rent rules, wellness features, maternity coverage, and more. By the end, you’ll know exactly which plan suits your needs!

*What’s Covered:*
Latest claim ratios: HDFC ERGO (80%), Niva Bupa (54%), ICICI Lombard (72%)
Premium comparison for ₹10 lakh cover, 2 adults (Tier 1 city):
HDFC ERGO Optima Secure: ₹31,627/year
Niva Bupa ReAssure 2.0 Titanium+: ₹22,819/year
ICICI Lombard Elevate: ₹22,344/year
Entry age, sum insured, and lifetime renewal details
Room rent, restoration, bonuses & multipliers (up to 4X or 10X cover)
Pre & post hospitalization, ambulance, AYUSH, organ donor, home care
Complimentary checkups, wellness discounts, e-consults
Consumables (non-payables) built-in or optional
Maternity, newborn, global cover options
Optional riders, co-payment/deductible rules, waiting periods
Premium revision logic: Age-locked (HDFC), 5-year slabs (Niva/ICICI)
Which plan to pick for budget, multipliers, or global coverage


Still confused? Message me on WhatsApp for a personalized recommendation—link below!



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