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Health Absolute - Classic vs Health Connect (Supreme)

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Specifications side by side

Spec
Health Absolute - Classic
Health Connect (Supreme)
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 5 lakh, 10 lakh
2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7.5 lakh, 10 lakh, 15 lakh
Highest sum insured
10 lakh
15 lakh
Entry age
From 1 day (no maximum stated)
91 days to 65 years
Room rent
No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured)
No room rent capping
Co-payment
20% for insured persons aged 61 and above at first entry
None (optional voluntary co-pay 5%/10%/20% for discount)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
24 months
Specific illness waiting
24 months
—
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
100% of base Sum Insured, triggered on second claim, once during a Policy Year
100% restoration of basic SI on occurrence of another unrelated event (once during the Policy Period)
No-claim bonus
50% per claim-free year, maximum 100% of sum insured; reduced at same rate after a claim
Auto increase in Sum Insured by 10% for every claim free year up to 100% of Basic SI, or 2.25% renewal premium discount
Maternity
Covered (Classic: Rs 25,000-50,000 by SI and delivery type) after 24 months / 3 annual premiums (self and spouse covered)
—
OPD
Covered up to Rs 3,000 per person (individual) / Rs 5,000 per policy (floater), mental/psychiatric illness only
—
Premium
Sample annual premium
₹13,986
₹14,143
Sample premium is for
Individual Premium 'Without Copay' (entry on or before age 60), age band 26-30, Sum Insured 10 Lakhs (Classic plan), 'Premium rates exclusive of Goods & Services Tax'; no zones in product; policy term not stated on table (annual rate)
Individual plan, Supreme, age band 26 Years - 35 Years, Sum Insured 10,00,000, annual premium, excluding GST (no zones in rate chart)
Insurer
Health incurred claim ratio (insurer)
95.29%
92.99%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
5000+
7200+
IRDAI UIN
GCIHLIP26043V032526
LIBHLIP26039V062526

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

Health Absolute - Classic

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Con: Co-payment: 20% for insured persons aged 61 and above at first entry

Health Connect (Supreme)

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 88% of the 52 health insurance plans on Comparezi that state it (₹15 lakh)
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