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Ultimate Care 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
Ultimate Care
Super Health - Platinum
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh
Highest sum insured
100 lakh
50 lakh
Entry age
From 18 years (adult); 91 days (child) (no maximum stated)
From 91 days (no maximum stated)
Room rent
Up to SI
Actuals up to Sum Insured
Co-payment
None in base cover
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
Unlimited Automatic Recharge: available for unlimited times for unrelated or same illness from subsequent claim
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
No-claim bonus
Cumulative Bonus 50% of Base SI per year irrespective of claim, maximum up to 100%; shall not reduce in case of claim
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 200% (reduced in same proportion if claim settled)
Maternity
Optional benefit only (Maternity Cover)
Covered up to INR 50,000 (normal) / INR 75,000 (C-section); waiting 48 months single adult, 24 months other family combinations
OPD
Optional: out-patient consultations up to Rs 5,000 per insured (Rs 500 per consultation), pre-added optional benefit at extra premium
Covered: single adult INR 5,000; other family combinations up to INR 10,000/family
Premium
Sample annual premium
₹10,390
—
Sample premium is for
Individual 1A, age 30, Sum Insured Rs 10,00,000, Zone 1, base gross office premium for policy vintage > 3 years (before welcome discount); GST treatment not stated on the rate chart
—
Insurer
Health incurred claim ratio (insurer)
64.53%
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)
22,100+ (as of Dec 2025)
18,000+
IRDAI UIN
CHIHLIP26058V022526
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

Ultimate Care

  • Pro: No co-payment on claims
  • 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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