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Arogya Sanjeevani Policy vs Shri Health Suraksha Insurance Policy

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Specifications side by side

Spec
Arogya Sanjeevani Policy
Shri Health Suraksha Insurance Policy
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
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
Highest sum insured
10 lakh
10 lakh
Entry age
3 months to 65 years
From 3 months (no maximum stated)
Room rent
2% of sum insured subject to maximum of Rs.5000/- per day
Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base)
Co-payment
5% on all claims
5% on each and every claim (base; waivable by add-on)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Benefits
Pre-hospitalisation
30 days
30 days
Post-hospitalisation
60 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Not in base policy; optional 'Restoration Benefit' add-on: restores unlimited times, maximum 100% of Sum Insured each time, for unrelated disease
No-claim bonus
Cumulative Bonus 5% per claim free policy year, maximum 50% of sum insured; reduced at same rate on claim
Cumulative Bonus 5% per claim free policy year up to maximum of 50% of sum insured, reduced at same rate on claim (or renewal discount option)
Maternity
Not covered
Not covered
OPD
—
Not covered
Premium
Sample annual premium
₹8,836
₹7,632
Sample premium is for
Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST
Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax
Insurer
Health incurred claim ratio (insurer)
100.98%
74.55%
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)
—
15,000+
IRDAI UIN
NIAHLIP25044V022425
SGLHLIP26035V022425

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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

Shri Health Suraksha Insurance 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 each and every claim (base; waivable by add-on)
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