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Health Insurance · head to head

Platinum Health Plan vs Sarvah Param

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Quick verdict

  • Sarvah Param is better for high sum insured available.
  • Sarvah Param is better for longer pre- and post-hospital cover.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Platinum Health Plan
Sarvah Param
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
1 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
100 lakh
300 lakh
Entry age
—
From 91 days (children); 18 years (adults) (no maximum stated)
Room rent
No limits; any room of choice; no ICU day/charge limits
Single Private AC Room (ICU no limit); optional modification to Any room or Twin Sharing AC room
Co-payment
Zero co-pay as a standard feature
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
Waiting periods
Initial waiting period
0 days
0 days
Pre-existing disease waiting
—
0 months
Specific illness waiting
0 months
0 months
Benefits
Pre-hospitalisation
60 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Coverage gets restored unlimited times in a year
Multiple Restoration in a Policy Year for all illnesses and injury, whether related or unrelated, in addition to the Base Sum Insured
No-claim bonus
—
Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to a maximum of 1,500%, irrespective of claims
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Optional cover: up to 20% of Base SI (max Rs 5 Lac), 36 months waiting period
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Not covered (unlimited tele-consultation with network General Physician)
Insurer
Health incurred claim ratio (insurer)
57.82%
74.81%
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
—
IRDAI UIN
ACKHLIP25035V022425
MCIHLIP27040V032627

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

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

Sarvah Param

  • Pro: Pre-existing diseases covered after no waiting period, sooner than 98% of the 50 health insurance plans on Comparezi that state it
  • Pro: Specific illnesses covered after no waiting period, sooner than 95% of the 46 health insurance plans on Comparezi that state it
  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
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