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Health Insurance · head to head

Arya Health Insurance vs Super Health - Platinum

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Quick verdict

  • Super Health - Platinum is better for existing illness covered sooner.
  • Super Health - Platinum is better for shorter waiting periods.

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

Specifications side by side

Spec
Arya Health Insurance
Super Health - Platinum
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
25 lakh, 50 lakh, 1 crore
10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh
Highest sum insured
100 lakh
50 lakh
Entry age
From 18 years (principal); 3 months (dependent children) (no maximum stated)
From 91 days (no maximum stated)
Room rent
At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers
Actuals up to Sum Insured
Co-payment
Zero co-payment on base benefits except non-intimation co-payment (30% / 15%, or 20% if Other Provider Network access opted) when treated at Other/non-network providers without timely intimation
None (optional 10%/20%)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
24 months
Specific illness waiting
24 months
12 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
Optional 'Revive': reinstatement of Base Sum Insured in the same Policy Year upon complete or partial utilisation
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
No-claim bonus
Optional 'Accumulate Plus': 50% of Base SI per policy year, up to 100% / 200% / 400%
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 200% (reduced in same proportion if claim settled)
Maternity
Not covered
Covered up to INR 50,000 (normal) / INR 75,000 (C-section); waiting 48 months single adult, 24 months other family combinations
OPD
—
Covered: single adult INR 5,000; other family combinations up to INR 10,000/family
Insurer
Health incurred claim ratio (insurer)
—
82.19%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
18,000+
IRDAI UIN
NHIHLIP27047V022627
SBIHLIP24141V022324

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

Arya Health Insurance

  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Super Health - Platinum

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • Pro: Specific illnesses covered after 1 year, sooner than 89% of the 46 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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