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Health Unlimited vs MediCare Premier

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Quick verdict

  • MediCare Premier is better for existing illness covered sooner.
  • MediCare Premier 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
MediCare Premier
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, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
200 lakh
300 lakh
Entry age
91 days to 65 years
91 days to 65 years
Room rent
Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
No room rent sub-limit stated (In-patient Treatment up to Sum Insured)
Co-payment
20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
None
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
24 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
Additional amount equivalent to base Sum Insured, restored once during the policy year
No-claim bonus
50% per claim-free policy year, max 100%; reduced by 50% in case of claims
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 for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
Covered: Rs 50,000 (Rs 60,000 girl child) for SI up to 50 lakh; Rs 1,00,000 (Rs 1,20,000 girl child) above; 3-year waiting period
OPD
Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay
Covered after 2 years of continuous coverage: up to Rs 5,000 per policy year (SI up to 50 lakh) to Rs 20,000 (SI 300 lakh)
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%
76.24%
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+
13,000+
IRDAI UIN
GCIHLIP26041V012526
TATHLIP26052V052526

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

MediCare Premier

  • 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 on claims
  • Pro: No room-rent cap
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