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Health Insurance · head to head

Galaxy Promise - Premier Plan vs MediCare

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Tata AIG

MediCare

Premium depends on your profile

Quick verdict

  • MediCare 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 Promise - Premier Plan
MediCare
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
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
25 lakh
20 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
91 days 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)
No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule)
Co-payment
No Co-payment
None (10% if admitted to a room category higher than the eligible category)
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
30 days
60 days
Post-hospitalisation
60 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Additional amount equivalent to base Sum Insured, restored once during the policy period
No-claim bonus
Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
Maternity
Not covered (delivery expenses only in Signature plan)
Not covered
OPD
Not covered
Not covered
Premium
Sample annual premium
₹7,722
—
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
—
Insurer
Health incurred claim ratio (insurer)
—
76.24%
Claims figures for
—
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
—
13,000+
IRDAI UIN
GHIHLIP25035V012425
TATHLIP26053V042526

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 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)

MediCare

  • Pro: No co-payment on claims
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)
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