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Platinum Health Plan vs Health Care Plus Policy

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Specifications side by side

Spec
Platinum Health Plan
Health Care Plus Policy
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
1 crore
—
Highest sum insured
100 lakh
—
Entry age
—
From 91 days (no maximum stated)
Room rent
No limits; any room of choice; no ICU day/charge limits
Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit
Co-payment
Zero co-pay as a standard feature
Optional co-payment 0% to 50%
Waiting periods
Initial waiting period
0 days
—
Specific illness waiting
0 months
—
Benefits
Pre-hospitalisation
60 days
—
Post-hospitalisation
180 days
—
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Coverage gets restored unlimited times in a year
Optional Sum Insured Refill Benefit: refills 100% of the Sum Insured specified and utilized under Section 1.A/1.B
No-claim bonus
—
Cumulative Bonus (increase in SI) or No Claim Discount, as opted; upper limit as per Policy Schedule
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Optional Out-Patient (OPD) Benefit, Sum Insured 2,500 to 50,000
Insurer
Health incurred claim ratio (insurer)
57.82%
83.78%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
13,200
9000+
IRDAI UIN
ACKHLIP25035V022425
GODHLIP27048V052627

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Pros and cons

Platinum Health Plan

  • Pro: Specific illnesses covered after no waiting period, sooner than 95% of the 46 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Health Care Plus Policy

  • Pro: No room-rent cap
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