Ans: HDFC ERGO Optima Secure offers comprehensive coverage allowing you to multiply the coverage amount by 4x in 2 years with the Secure benefit and Plus benefit. On the other hand, HDFC ERGO Optima Restore doubles the coverage amount in 2 years with the Multiplier benefit. While Optima Secure allows you to reduce your premium by opting for aggregate deductible, the Optima Restore provides the option to reduce your renewal premium with the Stay Active benefit.