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Health Insurance · head to head

Health AdvantEdge vs OneHealth 10.0

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Quick verdict

  • Health AdvantEdge is better for existing illness covered sooner.

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

Specifications side by side

Spec
Health AdvantEdge
OneHealth 10.0
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 40 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 3 crore
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
300 lakh
300 lakh
Entry age
91 days (floater only); 6 years for individual to 65 years
From 91 days (no maximum stated)
Room rent
1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above
Single private AC room
Co-payment
None (optional 10% or 20% voluntary co-payment)
20% if entry age is 61 years or more
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Reset Benefit: up to 100% of Annual Sum Insured; once for SI below Rs 10 lakh, unlimited times for SI Rs 10 lakh and above
100% of SI for unlimited times and all illness on exhaustion and insufficiency from 2nd claim onwards
No-claim bonus
Loyalty bonus: 20% for each completed and renewed Policy Year up to a maximum of 100% of Annual Sum Insured, not reduced on claim
For SI < 10L - 20% of SI, for SI >= 10L - 50% of SI, subject to a maximum of 100%
Maternity
Optional cover: Benefit A up to 10% of SI max Rs 1 lakh; Benefit B up to Rs 10 lakh; 24-month waiting period
Optional: up to INR 1,00,000 or 2,00,000; waiting period 24 months (Option A) or 12 months with 3+ year tenure (Option B)
OPD
Not covered in base (optional BeFit cover); animal-bite vaccination OPD up to Rs 10,000
Optional Outpatient Cover: Option A up to INR 10,000 or Option B up to INR 20,000
Premium
Sample annual premium
—
₹7,682
Sample premium is for
—
1 Adult, age band 26-30, Sum Insured 10,00,000, Zone 1 (highest-priced zone), base covers excluding PA and CI, office rate, excluding GST
Insurer
Health incurred claim ratio (insurer)
82.24%
85.54%
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)
14,000+ (as of 30 Sep 2026)
—
IRDAI UIN
ICIHLIP27056V062627
MAGHLIP27040V012627

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 AdvantEdge

  • 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

OneHealth 10.0

  • Con: Co-payment: 20% if entry age is 61 years or more
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