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Health Insurance · head to head

Health Guard - Platinum Plan vs Health Unlimited

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Quick verdict

  • Health Unlimited is better for high sum insured available.

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

Specifications side by side

Spec
Health Guard - Platinum Plan
Health Unlimited
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 40 lakh, 45 lakh, 50 lakh, 75 lakh, 1 crore
7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
Highest sum insured
100 lakh
200 lakh
Entry age
From 3 months (no maximum stated)
91 days to 65 years
Room rent
SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
Co-payment
None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents)
20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
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
Unlimited Restoration of 100% of base SI from the 2nd claim onwards, for same and different illnesses
No-claim bonus
Super Cumulative Bonus: 50% of base SI per annum for first 2 years, then 10% per annum for next 5 years, maximum 150%
50% per claim-free policy year, max 100%; reduced by 50% in case of claims
Maternity
Covered (limit per Policy Schedule by SI) after 72-month waiting period
Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
OPD
Not covered
Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay
Premium
Sample annual premium
—
₹13,006
Sample premium is for
—
Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual
Insurer
Health incurred claim ratio (insurer)
87.31%
95.29%
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+
5000+
IRDAI UIN
BAJHLIP26073V082526
GCIHLIP26041V012526

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 - Platinum Plan

  • Pro: No room-rent cap

Health Unlimited

  • Con: Co-payment: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
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