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Health Infinity vs OneHealth 10.0

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Quick verdict

  • Health Infinity is better for high sum insured available.
  • Health Infinity 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
Health Infinity
OneHealth 10.0
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
500 lakh
300 lakh
Entry age
91 days to 65 years
From 91 days (no maximum stated)
Room rent
—
Single private AC room
Co-payment
None for Zone A premium; 20% if Zone B premium and treated in Zone A
20% if entry age is 61 years or more
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
60 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Restore Benefit equal to 100% of the Sum Insured, applied once per Policy Year (optional Unlimited Restore)
100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
No-claim bonus
—
For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
Maternity
Optional add-on (Mother and Child Care), 12/24-month waiting as opted
Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B)
OPD
Optional add-on (OPD Cover)
Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000
Premium
Sample annual premium
—
₹7,682
Sample premium is for
—
1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST
Insurer
Health incurred claim ratio (insurer)
87.34%
85.54%
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)
10,000+
—
IRDAI UIN
RELHLIP23120V042223
MAGHLIP27040V012627

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

Health Infinity

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it

OneHealth 10.0

  • Con: Co-payment: 20% if entry age is 61 years or more
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