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Health Guard - Gold Plan vs Ultimate Care

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Specifications side by side

Spec
Health Guard - Gold Plan
Ultimate Care
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, 35 lakh, 40 lakh, 45 lakh, 50 lakh
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
50 lakh
100 lakh
Entry age
From 3 months (no maximum stated)
From 18 years (adult); 91 days (child) (no maximum stated)
Room rent
SI 3 lacs to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category
Up to SI
Co-payment
None for Zone A premium; zone-based 5%-20% if treated in a higher zone than premium paid (not for accidents)
None in base cover
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
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Sum Insured Reinstatement: 100% of Base Sum Insured, once during each Policy Year
Unlimited Automatic Recharge: available for unlimited times for unrelated or same illness from subsequent claim
No-claim bonus
10% of base Sum Insured per claim-free year, maximum 100% (10 years); reduced by 10% after a claim
Cumulative Bonus 50% of Base SI per year irrespective of claim, maximum up to 100%; shall not reduce in case of claim
Maternity
Covered (limit per Policy Schedule by SI) after 72-month waiting period
Optional benefit only (Maternity Cover)
OPD
Not covered
Optional: out-patient consultations up to Rs 5,000 per insured (Rs 500 per consultation), pre-added optional benefit at extra premium
Premium
Sample annual premium
—
₹10,390
Sample premium is for
—
Individual 1A, age 30, Sum Insured Rs 10,00,000, Zone 1, base gross office premium for policy vintage > 3 years (before welcome discount); GST treatment not stated on the rate chart
Insurer
Health incurred claim ratio (insurer)
87.31%
64.53%
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)
18,400+
22,100+ (as of Dec 2025)
IRDAI UIN
BAJHLIP26073V082526
CHIHLIP26058V022526

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

Health Guard - Gold Plan

  • Pro: No room-rent cap

Ultimate Care

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