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Galaxy Promise - Premier Plan vs Shri Health Suraksha Insurance Policy

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Specifications side by side

Spec
Galaxy Promise - Premier Plan
Shri Health Suraksha Insurance Policy
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
0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
Highest sum insured
25 lakh
10 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
From 3 months (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)
Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base)
Co-payment
No Co-payment
5% on each and every claim (base; waivable by add-on)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
—
Benefits
Pre-hospitalisation
30 days
30 days
Post-hospitalisation
60 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Not in base policy; optional 'Restoration Benefit' add-on: restores unlimited times, maximum 100% of Sum Insured each time, for unrelated disease
No-claim bonus
Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
Cumulative Bonus 5% per claim free policy year up to maximum of 50% of sum insured, reduced at same rate on claim (or renewal discount option)
Maternity
Not covered (delivery expenses only in Signature plan)
Not covered
OPD
Not covered
Not covered
Premium
Sample annual premium
₹7,722
₹7,632
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
Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax
Insurer
Health incurred claim ratio (insurer)
—
74.55%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
15,000+
IRDAI UIN
GHIHLIP25035V012425
SGLHLIP26035V022425

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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)

Shri Health Suraksha Insurance Policy

  • 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)
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Con: Co-payment: 5% on each and every claim (base; waivable by add-on)
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