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Health Insurance · head to head

Galaxy Promise - Premier Plan vs Complete Healthcare Insurance (Privilege)

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Quick verdict

  • Complete Healthcare Insurance (Privilege) 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
Galaxy Promise - Premier Plan
Complete Healthcare Insurance (Privilege)
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
6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh
Highest sum insured
25 lakh
10 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
91 days to 75 years
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)
—
Co-payment
No Co-payment
None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
12 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
—
Restore Sum Insured equal to 100% of Base Sum Insured automatically available for the Policy Year once base SI and No Claim Bonus are exhausted
No-claim bonus
Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
10% increase in SI for every claim free year up to 50% (Privilege), or no-claim discount
Maternity
Not covered (delivery expenses only in Signature plan)
Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege)
OPD
Not covered
Covered up to 1% of SI or actuals, maximum Rs 7,500 (Privilege), after waiting period of 3 years
Premium
Sample annual premium
₹7,722
₹11,410
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
1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart
Insurer
Health incurred claim ratio (insurer)
—
97.12%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN
GHIHLIP25035V012425
UNIHLIP25036V042425

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)

Complete Healthcare Insurance (Privilege)

  • 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
  • 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)
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