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Family Health Protector vs Health Insurance (Gold)

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Specifications side by side

Spec
Family Health Protector
Health Insurance (Gold)
Cover
Plan type
Family floater
Individual and family floater
Sum insured options
1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
30 lakh
20 lakh
Entry age
1 day (dependent child) to 65 years
3 months to 65 years
Room rent
No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
Standard Single Private Room; no capping on ICU accommodation
Co-payment
None (optional co-payment)
Compulsory 20% for each Insured Person aged above 60 Years
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
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Reinstatement of Basic Sum Insured to the extent of claim paid; free for first claim in policy year (SI Rs 3 lakh and above)
100% of the Sum Insured once in a policy year (in-built in Gold and Platinum); not triggered on the first claim; unrelated illness only
No-claim bonus
Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
Maternity
Not covered
Up to Rs 50,000; waiting period of 4 years (Gold)
OPD
Not covered
—
Insurer
Health incurred claim ratio (insurer)
83.74%
90.12%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
10000+
10000+
IRDAI UIN
IFFHLIP26042V062526
ZUNHLIP26040V042526

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Pros and cons

Family Health Protector

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap

Health Insurance (Gold)

  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)
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