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/Cumulative Bonus
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
Start Here
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Every feature we checked
All 41 features across 6 coverage topics - pick one to see how the plans differ, what's critical at claim time, and what's already covered in your shortlist.
Step 3Plan Comparison
What is Cumulative Bonus in health insurance?
Rewards you for staying healthy. Every year you do not make a claim, your cover amount increases - sometimes doubling over 5 years - at no extra cost. The longer you stay claim-free, the better your coverage gets.
HDFC ERGO
Optima Secure – Optima-Secure+
Strong
Your cover grows every year whether or not you claim. Optima Suraksha and Optima Lite add 10% of Base Sum Insured a year and Optima Select 25%, both up to 100%. The Optima Secure family instead uses Plus Benefit at 50% a year up to 100%, and Optima Secure+ uses Infinite Benefit at 100% a year with no ceiling at all.
Coverage detailstap any row to understand it
Watch out
The bonus is credited only on renewal without a break, and only if the cover is shown in your Policy Schedule. Only one of these runs at a time. If you take Plus Benefit on a plan that had Cumulative Bonus, the accrued bonus carries over and the Cumulative Bonus stops. The same either-or rule applies between Plus Benefit and Infinite Benefit.
Niva Bupa
ReAssure 3.0 – Elite
Strong
Booster+ is this plan's bonus. Whatever part of your Base Sum Insured you do not use in a year carries forward to the next year, and it can build up to 10 times your Base Sum Insured. On a 10 Lakh cover with no claims, that is 1 Crore of Booster+ sitting on top of your 10 Lakh after ten years.
Coverage detailstap any row to understand it
Watch out
The carry-forward is what you did not use, so a year with a large claim adds little. If you reduce your Base Sum Insured later, the accumulated Booster+ is cut in the same proportion - halving a 10 Lakh cover to 5 Lakh halves your Booster+ too.
Aditya Birla
Activ One – MAX
Strong
Super Credit adds a fixed share of your base cover to your sum insured at every renewal, and it is added even in a year you claimed. On MAX that is 100% of base per year, growing to 500% of base, with a ceiling of 3 crores. VIP has no Super Credit at all, and on NXT you have to buy it as an optional cover.
Coverage detailstap any row to understand it
Watch out
Super Credit is added only if you renew or pay the premium within the grace period. If you reduce your base sum insured at renewal, the accumulated Super Credit is cut in the same proportion.
Step 4Shortlist & Decision Tray
Your decision so far
Review your shortlisted plans, track how many coverage concerns they fulfill, and pick any two to compare side-by-side.
Nothing shortlisted yet
Every plan for your chosen feature is listed in the comparison above. Tap Bookmark on the plans that read well to pin them here.
Bookmark at least 2 plans to unlock side-by-side comparison
Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
Every feature, A to Z
Each one has its own page - what it means, and how every plan handles it.