HDFC ERGO Optima Secure+ vs SBI General Super Health Platinum Infinite
Side by side on the figures that decide a claim — and which one we would actually pick.
We score HDFC ERGO Optima Secure+ higher at 4.6/5 against 4.1/5, winning 6 of the 9 comparable measures. Optima Secure+ is the cheaper of the two on the illustrated profiles.
Side by side
| Measure | HDFC ERGO Optima Secure+ | SBI General Super Health Platinum Infinite |
|---|---|---|
| Myinsurancebro Score | 4.6 / 5 | 4.1 / 5 |
| Claim settlement ratio 3-year average | 97.61% | 95.94% |
| Complaints per 10,000 claims Lower is better | 8.87 | 14.04 |
| Cashless hospitals | 16000 | 18000 |
| Annual health premium | ₹6,596.53 Cr | ₹4,974.56 Cr |
| Sum insured available | ₹10 L – ₹2 Cr | ₹50 L – ₹2 Cr |
| Restoration of cover | Unlimited, built in | Unlimited from the 1st claim, up to 200% of cover per claim |
| No-claim bonus | Infinite Benefit — 100% of base cover added every year, no cap | Health Multiplier — up to 3× cover for 37 serious illnesses |
| Pre-existing disease wait | 3 years | 2 years |
| Specific illness wait | 2 years | 1 year |
| Maternity cover | Parenthood rider | Covered on Platinum Infinite — waiting period 48 months (single adult) / 24 months (other family combinations), cover up to ₹2 Lac |
| Room rent limit | No limit — any room category | No limit — any room category |
| Consumables covered | Covered in base plan | Built into the base plan |
| Premium — couple, 31 & 32 | ₹21,128 | ₹61,568 |
| Premium — seniors, 62 & 63 | ₹75,608 | ₹1,13,250 |
Optima Secure+
This is the plan we put in front of most families, and the reason is the claims record rather than the feature list. A 97.61% settlement ratio with 8.87 complaints per 10,000 claims means that when you are standing at a hospital billing desk, this insurer is the one most likely to just pay. The Infinite Benefit is the other reason — cover that adds 100% of the base every year with no ceiling quietly solves the medical-inflation problem that catches most people out a decade in. It costs more than Activ One MAX. We think it is worth it.
Against it
- The most expensive of the five for a young individual buyer
- The 3-year pre-existing disease wait is standard, not market-leading
- The senior couple premium of ₹75,608 is steep
- Ambulance cover is limited compared with SBI General
Super Health Platinum Infinite
The most feature-complete plan on this list and, unavoidably, the most expensive. The two features worth paying for are the 2-year pre-existing disease wait and restoration from the first claim — both directly reduce the odds of a claim being declined in the early years. That combination makes it worth a serious look if you are covering parents with existing conditions, where the third waiting year is a genuine risk. For a healthy 25-year-old it is dramatic overkill; Activ One MAX does the job for a quarter of the price.
Against it
- By far the most expensive — ₹45,944 for a 25-year-old, over four times Activ One MAX
- The ₹50 lakh minimum base cover forces you into a large policy whether you want one or not
- Global cover and the Health Multiplier are restricted to listed conditions only
- Renewal discounts are tied to step counts, which will not suit everyone
- Note that the premiums shown are at ₹50 lakh cover, not the ₹15 lakh used for the others
Which one we would pick
HDFC ERGO Optima Secure+, on balance — 4.6/5 against 4.1/5. Where Optima Secure+ is ahead: myinsurancebro score, claim settlement ratio, complaints per 10,000 claims, annual health premium, premium — couple, 31 & 32, premium — seniors, 62 & 63. Where Super Health Platinum Infinite is ahead: cashless hospitals, pre-existing disease wait, specific illness wait.
A score ranks plans on the evidence available; it cannot know your health history, your dependants or which exclusion will matter to you in ten years. Where the two are close, the deciding factor is usually the text rows above — room rent, waiting periods, exclusions — read against your own circumstances.
Scores are plan features 45%, insurer strength 45%, premium 10% — how we score plans.
Frequently asked questions
Which is better, HDFC ERGO Optima Secure+ or SBI General Super Health Platinum Infinite?
We score HDFC ERGO Optima Secure+ higher at 4.6/5 against 4.1/5. This is the plan we put in front of most families, and the reason is the claims record rather than the feature list. A 97.61% settlement ratio with 8.87 complaints per 10,000 claims means that when you are standing at a hospital billing desk, this insurer is the one most likely to just pay. The Infinite Benefit is the other reason — cover that adds 100% of the base every year with no ceiling quietly solves the medical-inflation problem that catches most people out a decade in. It costs more than Activ One MAX. We think it is worth it.
Which of the two settles more claims?
HDFC ERGO — 97.61% against 95.94%. Read it beside complaint volume: HDFC ERGO draws 8.87 complaints per 10,000 claims and SBI General 14.04 complaints.
Which is cheaper?
HDFC ERGO Optima Secure+, on the illustrated profiles in the table above. Premiums are illustrations for a stated profile, not quotes — your own depends on age, health, city and underwriting.
Read the full reviews
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.