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Health Insurance · head to head

Galaxy Marvel - Prime Plan vs Optima Super Secure

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Quick verdict

  • Galaxy Marvel - Prime Plan is better for existing illness covered sooner.
  • Galaxy Marvel - Prime Plan 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
Galaxy Marvel - Prime Plan
Optima Super Secure
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
10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
Highest sum insured
200 lakh
200 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
From 91 days (no maximum stated)
Room rent
Any Room
At Actuals
Co-payment
No Co-payment
None
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
90 days
60 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Automatic Restoration, unlimited, applicable for same disease / different diseases
Automatic Restore Benefit: Equal to 100% of Base sum insured (applied only once during the 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
Plus Benefit: Bonus of 50% of the Base Sum Insured, maximum upto 100% (irrespective of claims)
Maternity
Optional cover: Delivery Expense up to Rs 2 Lakhs (normal or caesarean)
Not covered
OPD
Optional Outpatient Benefit (Silver/Gold/Platinum/Diamond, up to Rs 16,000)
Not covered
Premium
Sample annual premium
₹9,448
₹20,075
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Prime Plan, Zone A, gross premium excluding tax
Individual, age 30, Base Sum Insured Rs 10,00,000, Optima Super Secure plan, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year rate chart 'Gross Premium', excluding GST, before discounts, no add-ons
Insurer
Health incurred claim ratio (insurer)
—
84.85%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
16,000+
IRDAI UIN
GHIHLIP26042V012526
HDFHLIP26058V082526

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 - Prime Plan

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • 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

Optima Super Secure

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