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Health Insurance · head to head

Galaxy Marvel - Prime Plan vs Health AdvantEdge

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Quick verdict

  • Health AdvantEdge is better for high sum insured available.
  • Galaxy Marvel - Prime Plan is better for longer pre- and post-hospital cover.

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

Specifications side by side

Spec
Galaxy Marvel - Prime Plan
Health AdvantEdge
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
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore
Highest sum insured
200 lakh
300 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
91 days (floater only); 6 years for individual to 65 years
Room rent
Any Room
1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above
Co-payment
No Co-payment
None (optional 10% or 20% voluntary co-payment)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
24 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
90 days
60 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
Reset Benefit: up to 100% of Annual Sum Insured; once for SI below Rs 10 lakh, unlimited times for SI Rs 10 lakh and above
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
Loyalty bonus: 20% for each completed and renewed Policy Year up to a maximum of 100% of Annual Sum Insured, not reduced on claim
Maternity
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
Optional cover: Benefit A up to 10% of SI max Rs 1 lakh; Benefit B up to Rs 10 lakh; 24-month waiting period
OPD
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
Not covered in base (optional BeFit cover); animal-bite vaccination OPD up to Rs 10,000
Premium
Sample annual premium
₹9,448
—
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Prime Plan, Zone A, gross premium excluding tax
—
Insurer
Health incurred claim ratio (insurer)
—
82.24%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
14,000+ (as of 30 Sep 2026)
IRDAI UIN
GHIHLIP26042V012526
ICIHLIP27056V062627

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 - Prime Plan

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

Health AdvantEdge

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 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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