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Health Insurance · head to head

Health Infinity vs Sarvah Uttam

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Quick verdict

  • Health Infinity is better for high sum insured available.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Health Infinity
Sarvah Uttam
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
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 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 (children); 18 years (adults) (no maximum stated)
Room rent
—
Single Private AC Room; optional modification to Any room or Twin Sharing AC room
Co-payment
None for Zone A premium; 20% if Zone B premium and treated in Zone A
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
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
Restore Benefit equal to 100% of the Sum Insured, applied once per Policy Year (optional Unlimited Restore)
Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
No-claim bonus
—
Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
Maternity
Optional add-on (Mother and Child Care), 12/24-month waiting as opted
Optional cover with 36 months waiting period
OPD
Optional add-on (OPD Cover)
Not covered (unlimited tele-consultation with network General Physician)
Insurer
Health incurred claim ratio (insurer)
87.34%
74.81%
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
MCIHLIP27040V032627

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

Sarvah Uttam

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