Health Care Plus Policy vs Health Alpha

Individual and family floater

Individual and family floater

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From 91 days (no maximum stated)

From 91 days (no maximum stated)

Option: 1%, 1.5% or 2% of Sum Insured per day, or No Limit

Up to actuals or Single Private AC Room or Twin Sharing Room, as opted

Optional co-payment 0% to 50%

None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)

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Yes

Yes

Yes

Yes

Optional Sum Insured Refill Benefit: refills 100% of the Sum Insured specified and utilized under Section 1.A/1.B

Optional: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount

Cumulative Bonus (increase in SI) or No Claim Discount, as opted; upper limit as per Policy Schedule

Cumulative Bonus 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount

Optional cover (Section 6), limited to two childbirth events; waiting period options No Waiting Period, 6 Months, 9 Months, 1 Year, 2 Years, 3 Years, 4 Years; SI 10,000 to 5,00,000

Optional cover (ages 18-45), 24-month waiting period

Optional Out-Patient (OPD) Benefit, Sum Insured 2,500 to 50,000

Optional OPD Cover section

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Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart.

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)

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