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Health Guard - Gold Plan vs Family Health Protector

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Specifications side by side

Spec
Health Guard - Gold Plan
Family Health Protector
Cover
Plan type
Individual and family floater
Family floater
Sum insured options
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, 50 lakh
1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh
Highest sum insured
50 lakh
30 lakh
Entry age
From 3 months (no maximum stated)
1 day (dependent child) to 65 years
Room rent
SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
Co-payment
None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents)
None (optional co-payment)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Sum Insured Reinstatement: 100% of Base Sum Insured, once during each Policy Year
Reinstatement of Basic Sum Insured to the extent of claim paid; free for first claim in policy year (SI Rs 3 lakh and above)
No-claim bonus
10% of base Sum Insured per claim-free year, maximum 100% (10 years); reduced by 10% after a claim
Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
Maternity
Covered (limit per Policy Schedule by SI) after 72-month waiting period
Not covered
OPD
Not covered
Not covered
Insurer
Health incurred claim ratio (insurer)
87.31%
83.74%
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)
18,400+
10000+
IRDAI UIN
BAJHLIP26073V082526
IFFHLIP26042V062526

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

Health Guard - Gold Plan

  • Pro: No room-rent cap

Family Health Protector

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
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