Health AdvantEdge vs Health Alpha

Individual and family floater

Individual and family floater

From 91 days (no maximum stated)

Up to actuals or Single Private AC Room or Twin Sharing Room, as opted

None (optional 10% or 20% voluntary co-payment)

None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)

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Yes

Yes

Yes

Yes

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: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount

Loyalty bonus: 20% for each completed and renewed Policy Year up to a maximum of 100% of Annual Sum Insured, not reduced on claim

Cumulative Bonus 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount

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 (ages 18-45), 24-month waiting period

Not covered in base (optional BeFit cover); animal-bite vaccination OPD up to Rs 10,000

Optional OPD Cover section

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Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart.

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)

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