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Health Insurance · head to head

HealthGain vs MediCare Select

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IndusInd General

HealthGain

Premium depends on your profile

Quick verdict

  • HealthGain is better for high sum insured available.
  • MediCare Select 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
HealthGain
MediCare Select
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 3 crore, 5 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
500 lakh
300 lakh
Entry age
From 91 days (no maximum stated)
From 0 days (no maximum stated)
Room rent
Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals
Single Private Room
Co-payment
None for Zone A premium; 20% if Zone B premium and treated in Zone A
None
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
90 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Unlimited reinstatement of Base Sum Insured on subsequent claims, related and unrelated illness or injury
Restore Infinity Plus: unlimited restorations of base sum insured during a policy year
No-claim bonus
33.33% of Base Sum Insured per claim-free year, max 100%; 33.33% decrease for every claim year
Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
Maternity
Optional (Mother and Child Care cover), 24-month waiting for 1-2 year policies
Optional cover: 10% of SI max Rs 1,00,000 per policy year, 2-year waiting period
OPD
Not covered
Not covered
Insurer
Health incurred claim ratio (insurer)
87.34%
76.24%
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+
13,000+
IRDAI UIN
INIHLIP26040V042526
TATHLIP27061V022627

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

HealthGain

  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it

MediCare Select

  • 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
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