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/Guaranteed Extra Cover
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 Guaranteed Extra Cover in health insurance?
Extra cover that sits on top of your Sum Insured, so a single large bill can be paid beyond what you bought. Some plans pre-fund this as a separate pool from day one; others provide the same extra amount through refills that can top up the very bill that used up your cover.
HDFC ERGO
Optima Secure – Optima-Super-Secure
Strong
The Secure Benefit adds a second Sum Insured on top of your base from day one, before any claim. On the Optima Secure, Global, Global Plus and Secure+ plans it is 100% of your Base Sum Insured; on Optima Super Secure it is 200%. It is spent after the base cover runs out and it raises what one single bill can be paid - a ₹10,00,000 cover can pay ₹20,00,000 on one hospitalisation. Optima Suraksha, Select and Lite do not have it.
Coverage detailstap any row to understand it
Watch out
The Secure Benefit applies only once in a policy year, though it can be spread across any number of claims in that year. Anything left over does not carry into the next year.
Aditya Birla
Activ One – NXT
Standard
There is no separate pool above your sum insured. The extra room comes from Super Reload: it triggers when your cover is insufficient for a claim, not only when it is used up, so it can top up the very bill that ran out and add one more base sum insured to it. On every plan except NXT, the first claim in the life of the policy gets none of this.
Coverage detailstap any row to understand it
Watch out
Unlike a pool that is funded from day one, this extra room is not there for the first claim in the life of the policy on any plan except NXT. A single large first claim is paid only up to your base cover plus accumulated Super Credit.
ICICI Lombard
Elevate
Limited
Elevate funds no separate pool above your Sum Insured. Cover beyond it comes from the Reset Benefit: one claim is paid from your Sum Insured, then the bonuses, then up to 100% of your Sum Insured in reset money, so a single bill can be paid past what you bought. The first claim of each policy year gets none of it.
Coverage detailstap any row to understand it
Watch out
It applies only to claims admitted under In-patient Treatment, Day Care Treatment or In-patient AYUSH Hospitalisation, and only inside India.
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.
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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.