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Health Insurance · head to head

Galaxy Promise - Signature Plan vs Optima Restore

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Quick verdict

  • Galaxy Promise - Signature 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 Promise - Signature Plan
Optima Restore
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, 50 lakh, 1 crore
3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
16 days (individual / dependent children); 18 years (floater adults) to 65 years
91 days to 65 years
Room rent
SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room
No sub-limit on room rent
Co-payment
No Co-payment
None (optional co-payment)
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
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
Instant addition of 100% Basic Sum Insured on complete or partial utilization; restored only once in a Policy Year
No-claim bonus
Cumulative Bonus 100% of SI after first claim-free year, 25% of SI for every subsequent claim-free year, maximum 500%
Multiplier Benefit: 50% of Base Sum Insured per renewal irrespective of claims, maximum 100% of Basic Sum Insured
Maternity
Covered: delivery up to 10% of SI or Rs 2 lakh (whichever is less) once self and spouse covered 2 years (or insured woman 3 years)
Not covered
OPD
Not covered
Not covered
Premium
Sample annual premium
₹11,573
₹19,589
Sample premium is for
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Signature Plan, Zone A; tax treatment not stated on the chart
Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers
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
GHIHLIP25035V012425
HDFHLIP26055V102526

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 - Signature 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

Optima Restore

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
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