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Health Insurance · head to head

Galaxy Marvel - Neo Plan vs Sarvah Uttam

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Quick verdict

  • Sarvah Uttam 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
Galaxy Marvel - Neo Plan
Sarvah Uttam
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, 1 crore, 2 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
200 lakh
300 lakh
Entry age
From 16 days (individual / dependent children); 18 years (floater adults) (no maximum stated)
From 91 days (children); 18 years (adults) (no maximum stated)
Room rent
Any Room
Single Private AC Room; optional modification to Any room or Twin Sharing AC room
Co-payment
No Co-payment
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
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
90 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Automatic Restoration, unlimited, applicable for same disease / different diseases
Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
No-claim bonus
Bonus of 100% of SI if no claim in previous policy year or 25% of SI if a claim; applicable once during the policy year, not cumulative
Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
Maternity
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
Optional cover with 36 months waiting period
OPD
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
Not covered (unlimited tele-consultation with network General Physician)
Premium
Sample annual premium
₹6,973
—
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Neo Plan, Zone A, gross premium excluding tax
—
Insurer
Health incurred claim ratio (insurer)
—
74.81%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN
GHIHLIP26042V012526
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

Galaxy Marvel - Neo Plan

  • 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 on claims
  • Pro: No room-rent cap

Sarvah Uttam

  • 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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