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Galaxy Promise - Premier Plan vs Arogya Sanjeevani Policy

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Specifications side by side

Spec
Galaxy Promise - Premier Plan
Arogya Sanjeevani Policy
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
0.5 lakh, 1 lakh, 1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
Highest sum insured
25 lakh
10 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
3 months to 65 years
Room rent
1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above)
2% of sum insured subject to maximum of Rs.5000/- per day
Co-payment
No Co-payment
5% on all claims
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
—
Benefits
Pre-hospitalisation
30 days
30 days
Post-hospitalisation
60 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
No-claim bonus
Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
Cumulative Bonus 5% per claim free policy year, maximum 50% of sum insured; reduced at same rate on claim
Maternity
Not covered (delivery expenses only in Signature plan)
Not covered
OPD
Not covered
—
Premium
Sample annual premium
₹7,722
₹8,836
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Premier Plan, Zone A; tax treatment not stated on the chart
Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST
Insurer
Health incurred claim ratio (insurer)
—
100.98%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
IRDAI UIN
GHIHLIP25035V012425
NIAHLIP25044V022425

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Pros and cons

Galaxy Promise - Premier Plan

  • Pro: No co-payment on claims
  • 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)

Arogya Sanjeevani Policy

  • 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)
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Con: Co-payment: 5% on all claims
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