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Health Insurance · head to head

Galaxy Promise - Premier Plan vs Super Health - Elite

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Quick verdict

  • Super Health - Elite is better for existing illness covered sooner.
  • Super Health - Elite 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 Promise - Premier Plan
Super Health - Elite
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
3 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
Highest sum insured
25 lakh
25 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
From 91 days (no maximum stated)
Room rent
1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above)
Actuals up to Sum Insured
Co-payment
No Co-payment
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
24 months
Benefits
Pre-hospitalisation
30 days
60 days
Post-hospitalisation
60 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
No-claim bonus
Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 100% (reduced in same proportion if claim settled)
Maternity
Not covered (delivery expenses only in Signature plan)
Not covered
OPD
Not covered
Not covered
Premium
Sample annual premium
₹7,722
—
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Premier Plan, Zone A; tax treatment not stated on the chart
—
Insurer
Health incurred claim ratio (insurer)
—
82.19%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
18,000+
IRDAI UIN
GHIHLIP25035V012425
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

Galaxy Promise - Premier Plan

  • Pro: No co-payment on claims
  • Con: Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Con: Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)

Super Health - Elite

  • 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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