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Health Insurance · head to head

Arogya Sanjeevani Policy vs ReAssure 3.0

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Quick verdict

  • ReAssure 3.0 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
Arogya Sanjeevani Policy
ReAssure 3.0
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
5 lakh, 10 lakh
Highest sum insured
10 lakh
10 lakh
Entry age
3 months to 65 years
—
Room rent
2% of sum insured subject to maximum of Rs.5000/- per day
By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached)
Co-payment
5% on all claims
None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
—
24 months
Benefits
Pre-hospitalisation
30 days
60 days
Post-hospitalisation
60 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
ReAssure Forever: triggered by the first paid claim, stays for life if renewed without break; each claim up to Base Sum Insured (not applicable where Unlimited Sum Insured is opted)
No-claim bonus
Cumulative Bonus 5% per claim free policy year, maximum 50% of sum insured; reduced at same rate on claim
Booster+: unutilised Base Sum Insured carries forward, accumulating up to 10 times (based on the plan chosen) of the Base Sum Insured
Maternity
Not covered
Not covered
OPD
—
Not covered in base (unlimited e-consultation, cashless); optional Wellconsult+ OPD cover
Premium
Sample annual premium
₹8,836
—
Sample premium is for
Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST
—
Insurer
Health incurred claim ratio (insurer)
100.98%
61.22%
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)
—
19,000+
IRDAI UIN
NIAHLIP25044V022425
NBHHLIP27059V022627

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

Arogya Sanjeevani Policy

  • Con: Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Con: Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Con: Co-payment: 5% on all claims

ReAssure 3.0

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
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