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Health Insurance · head to head

Health Absolute - Classic vs Complete Healthcare Insurance (Privilege)

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Quick verdict

  • Health Absolute - Classic is better for existing illness covered sooner.
  • Complete Healthcare Insurance (Privilege) is better for shorter waiting periods.
  • Health Absolute - Classic 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
Health Absolute - Classic
Complete Healthcare Insurance (Privilege)
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 5 lakh, 10 lakh
6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh
Highest sum insured
10 lakh
10 lakh
Entry age
From 1 day (no maximum stated)
91 days to 75 years
Room rent
No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured)
—
Co-payment
20% for insured persons aged 61 and above at first entry
None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
36 months
Specific illness waiting
24 months
12 months
Benefits
Pre-hospitalisation
60 days
30 days
Post-hospitalisation
90 days
60 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
Restore Sum Insured equal to 100% of Base Sum Insured automatically available for the Policy Year once base SI and No Claim Bonus are exhausted
No-claim bonus
50% per claim-free year, maximum 100% of sum insured; reduced at same rate after a claim
10% increase in SI for every claim free year up to 50% (Privilege), or no-claim discount
Maternity
Covered (Classic: Rs 25,000-50,000 by SI and delivery type) after 24 months / 3 annual premiums (self and spouse covered)
Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege)
OPD
Covered up to Rs 3,000 per person (individual) / Rs 5,000 per policy (floater), mental/psychiatric illness only
Covered up to 1% of SI or actuals, maximum Rs 7,500 (Privilege), after waiting period of 3 years
Premium
Sample annual premium
₹13,986
₹11,410
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)
1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart
Insurer
Health incurred claim ratio (insurer)
95.29%
97.12%
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+
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IRDAI UIN
GCIHLIP26043V032526
UNIHLIP25036V042425

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

Complete Healthcare Insurance (Privilege)

  • Pro: Specific illnesses covered after 1 year, sooner than 89% of the 46 health insurance plans on Comparezi that state it
  • Pro: No co-payment unless you choose one for a lower premium
  • 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)
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