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Health Insurance · head to head

Health AdvantEdge vs Sarvah Uttam

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Quick verdict

  • Health AdvantEdge is better for existing illness covered sooner.
  • Sarvah Uttam 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 AdvantEdge
Sarvah Uttam
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
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 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 (children); 18 years (adults) (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; optional modification to Any room or Twin Sharing AC room
Co-payment
None (optional 10% or 20% voluntary co-payment)
None mandatory (no zonal co-pay); optional voluntary co-payment 10%/20%/30%
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
90 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
Optional cover: multiple Restoration in a Policy Year for all illnesses or injury, related or unrelated
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
Optional Gullak: guaranteed increase of 100% of Base Sum Insured each policy year, up to 1500%, irrespective of claims
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 cover with 36 months waiting period
OPD
Not covered in base (optional BeFit cover); animal-bite vaccination OPD up to Rs 10,000
Not covered (unlimited tele-consultation with network General Physician)
Insurer
Health incurred claim ratio (insurer)
82.24%
74.81%
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)
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IRDAI UIN
ICIHLIP27056V062627
MCIHLIP27040V032627

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

Sarvah Uttam

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 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
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