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Health Insurance · head to head

OneHealth 10.0 vs Sarvah Param

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Quick verdict

  • Sarvah Param is better for existing illness covered sooner.
  • Sarvah Param is better for shorter waiting periods.
  • Sarvah Param 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
OneHealth 10.0
Sarvah Param
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
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
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
300 lakh
300 lakh
Entry age
From 91 days (no maximum stated)
From 91 days (children); 18 years (adults) (no maximum stated)
Room rent
Single private AC room
Single Private AC Room (ICU no limit); optional modification to Any room or Twin Sharing AC room
Co-payment
20% if entry age is 61 years or more
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
Waiting periods
Initial waiting period
30 days
0 days
Pre-existing disease waiting
36 months
0 months
Specific illness waiting
24 months
0 months
Benefits
Pre-hospitalisation
60 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
Multiple Restoration in a Policy Year for all illnesses and injury, whether related or unrelated, in addition to the Base Sum Insured
No-claim bonus
For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to a maximum of 1,500%, irrespective of claims
Maternity
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)
Optional cover: up to 20% of Base SI (max Rs 5 Lac), 36 months waiting period
OPD
Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000
Not covered (unlimited tele-consultation with network General Physician)
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)
85.54%
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)
IRDAI UIN
MAGHLIP27040V012627
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

OneHealth 10.0

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

Sarvah Param

  • Pro: Pre-existing diseases covered after no waiting period, sooner than 98% of the 50 health insurance plans on Comparezi that state it
  • Pro: Specific illnesses covered after no waiting period, sooner than 95% of the 46 health insurance plans on Comparezi that state it
  • 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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