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Health Insurance · head to head

Health Guard - Gold Plan vs Super Health - Platinum

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Quick verdict

  • Super Health - Platinum is better for existing illness covered sooner.
  • Super Health - Platinum is better for shorter waiting periods.

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

Specifications side by side

Spec
Health Guard - Gold Plan
Super Health - Platinum
Cover
Plan type
Individual and family floater
Individual and 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
10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh
Highest sum insured
50 lakh
50 lakh
Entry age
From 3 months (no maximum stated)
From 91 days (no maximum stated)
Room rent
SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
Actuals up to Sum Insured
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 10%/20%)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
24 months
Specific illness waiting
24 months
12 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
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
No-claim bonus
10% of base Sum Insured per claim-free year, maximum 100% (10 years); reduced by 10% after a claim
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 200% (reduced in same proportion if claim settled)
Maternity
Covered (limit per Policy Schedule by SI) after 72-month waiting period
Covered up to INR 50,000 (normal) / INR 75,000 (C-section); waiting 48 months single adult, 24 months other family combinations
OPD
Not covered
Covered: single adult INR 5,000; other family combinations up to INR 10,000/family
Insurer
Health incurred claim ratio (insurer)
87.31%
82.19%
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+
18,000+
IRDAI UIN
BAJHLIP26073V082526
SBIHLIP24141V022324

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

Super Health - Platinum

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • Pro: Specific illnesses covered after 1 year, sooner than 89% of the 46 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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