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My Health Care Plan (Plan 1) vs Care

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Care Health

Care

Sample premium ₹21,061 a year*

Quick verdict

  • Care is better for high sum insured available.
  • My Health Care Plan (Plan 1) 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
My Health Care Plan (Plan 1)
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, 75 lakh, 1 crore, 2 crore, 3 crore, 4 crore, 5 crore
1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 60 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore, 6 crore
Highest sum insured
500 lakh
600 lakh
Entry age
3 months to 65 years
From 5 years (individual); 91 days (floater, with at least one insured aged 18+) (no maximum stated)
Room rent
SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable)
Rs 5/7/10 lakh (Care 4): Single Private Room; Rs 15-40 lakh and above: Single Private Room upgradable to next level if not available; Rs 1-4 lakh: up to 1% of SI per day
Co-payment
None
None mandatory; optional 20% per claim for age 61+
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
30 days
Post-hospitalisation
90 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Sum Insured Reinstatement: once for SI below 5 lacs; unlimited for SI 5 lacs and above (available for same illness)
Automatic Recharge: entire sum insured reinstated once per policy year (unlimited times with optional Unlimited Automatic Recharge)
No-claim bonus
Cumulative bonus 50% per annum max 100% for SI 5 lakh and above (25% for SI 3/4 lakh); reduces in case of claim
Flat 10% of base sum insured per claim-free year, up to 50%; reduced by 10% of base SI in a claim year
Maternity
Covered for SI 5 lakh+ (INR 50,000 to 1,00,000 by SI) after 36-month waiting period
Only for SI Rs 50/60/75 lakh (Care 6), floater, after 24 months
OPD
Covered up to OPD Sum Insured in Policy Schedule (brochure: OPD benefit of 2X the premium)
Not covered in base; optional OPD Care / Everyday Care
Premium
Sample annual premium
—
₹21,061
Sample premium is for
—
Individual 1A, age band 25-35, Care 4 plan, Sum Insured Rs 10,00,000, Zone 1, base gross premium excluding GST
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
BAJHLIP26074V022526
CHIHLIP26055V092526

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

My Health Care Plan (Plan 1)

  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims

Care

  • Pro: Sum insured up to ₹6 crore, higher than 98% of the 52 health insurance plans on Comparezi that state it
  • Pro: No co-payment unless you choose one for a lower premium
  • 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)
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