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Galaxy Promise - Signature Plan vs Super Star

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Star Health

Super Star

Sample premium ₹7,345 a year*

Specifications side by side

Spec
Galaxy Promise - Signature Plan
Super Star
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, 50 lakh, 1 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
From 18 years (adults); 91 days (dependent children, floater) (no maximum stated)
Room rent
SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room
Any room
Co-payment
No Co-payment
Mandatory co-pay: Not applicable
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
Automatic restoration of the Sum Insured up to 100%, an unlimited number of times, immediately after partial/ full utilisation of the limit of coverage
No-claim bonus
Cumulative Bonus 100% of SI after first claim-free year, 25% of SI for every subsequent claim-free year, maximum 500%
Cumulative bonus 50% of the Sum Insured for each claim-free year, up to a maximum of 100% of the Sum Insured
Maternity
Covered: delivery up to 10% of SI or Rs 2 lakh (whichever is less) once self and spouse covered 2 years (or insured woman 3 years)
Not in base cover; optional Delivery Expenses/ Newborn Cover (Option A: Rs 50,000 or Rs 1,00,000 per delivery, 24 months wait; Option B: Rs 30,000 per delivery, 12 months wait)
OPD
Not covered
Not covered in base (unlimited tele-consultation only); optional cover up to Rs 25,000 for specific diagnostic tests on OPD basis
Premium
Sample annual premium
₹11,573
₹7,345
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Signature Plan, Zone A; tax treatment not stated on the chart
1 adult, age 30, individual, Sum Insured Rs 10,00,000, Zone A, base premium excluding GST, no optional covers (prospectus base premium table; policy term not stated on the table, treated as annual base premium)
Insurer
Health incurred claim ratio (insurer)
—
70.3%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
16,000+
IRDAI UIN
GHIHLIP25035V012425
SHAHLIP27049V022627

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 - Signature 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

Super Star

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No room-rent cap
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