Skip to content

Health Insurance · head to head

Galaxy Marvel - Neo Plan vs Health Premier

Save New comparison

Specifications side by side

Spec
Galaxy Marvel - Neo Plan
Health Premier
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 1 crore, 2 crore
2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore
Highest sum insured
200 lakh
200 lakh
Entry age
From 16 days (individual / dependent children); 18 years (floater adults) (no maximum stated)
From 91 days (no maximum stated)
Room rent
Any Room
No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
Co-payment
No Co-payment
Zone-based: 10% or 20% when treated in a higher zone than the zone paid for
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
90 days
—
Post-hospitalisation
180 days
—
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Automatic Restoration, unlimited, applicable for same disease / different diseases
100% restoration of the Base Sum Insured once in a policy year
No-claim bonus
Bonus of 100% of SI if no claim in previous policy year or 25% of SI if a claim; applicable once during the policy year, not cumulative
10% of the Base Sum Insured for each renewal up to a maximum of 50% or 100% as per plan; no reduction in case of a claim
Maternity
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage
OPD
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
—
Premium
Sample annual premium
₹6,973
—
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Neo Plan, Zone A, gross premium excluding tax
—
Insurer
Health incurred claim ratio (insurer)
—
70.69%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
22600+
IRDAI UIN
GHIHLIP26042V012526
ZUKHLIP25054V052425

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

Galaxy Marvel - Neo Plan

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Health Premier

  • Pro: No room-rent cap
Compare