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Health Unlimited vs HealthGain

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IndusInd General

HealthGain

Premium depends on your profile

Quick verdict

  • HealthGain is better for high sum insured available.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Health Unlimited
HealthGain
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 3 crore, 5 crore
Highest sum insured
200 lakh
500 lakh
Entry age
91 days to 65 years
From 91 days (no maximum stated)
Room rent
Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals
Co-payment
20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
None for Zone A premium; 20% if Zone B premium and treated in Zone A
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
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Unlimited Restoration of 100% of base SI from the 2nd claim onwards, for same and different illnesses
Unlimited reinstatement of Base Sum Insured on subsequent claims, related and unrelated illness or injury
No-claim bonus
50% per claim-free policy year, max 100%; reduced by 50% in case of claims
33.33% of Base Sum Insured per claim-free year, max 100%; 33.33% decrease for every claim year
Maternity
Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
Optional (Mother and Child Care cover), 24-month waiting for 1-2 year policies
OPD
Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay
Not covered
Premium
Sample annual premium
₹13,006
—
Sample premium is for
Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual
—
Insurer
Health incurred claim ratio (insurer)
95.29%
87.34%
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+
10,000+
IRDAI UIN
GCIHLIP26041V012526
INIHLIP26040V042526

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 Unlimited

  • Con: Co-payment: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1

HealthGain

  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it
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