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If you’re buying health insurance in 2026 or reviewing your existing policy then this comparison will save you from a lot of confusion. In this video, we compare HDFC Ergo Optima Secure and Star Health Super Star on the things that actually matter at claim time and not just features on paper. We break down: • Detailed understanding of both the plans • How restoration and automatic sum insured increase works • Room rent, ICU limits, and hospital restrictions • PED waiting periods and early coverage gaps • Claim experience, settlement timelines, and complaint patterns • How these plans compare based on pricing • How does these plans compare on Beshak Ratings, an independent and unbiased rating system developed by us. This is not a scripted sales video. We’ve compared both plans side-by-side based on practical claim behaviour, policy structure, and real-world usability, so you can decide what fits your situation in 2026. If you’re confused between Star Health insurance and HDFC Ergo health insurance, this video will give you clarity and that too without commissions or bias. 📞 Book a FREE expert call (zero sales pressure, real advisors): https://www.beshak.org/advisor/?forms... 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. #starhealthinsurance #hdfcergo #optimasecure #superstarplan #healthinsurance2026 #besthealthinsurance #familyhealthinsurance #healthinsuranceindia #insurancecomparison