Skip to content

Health Insurance · head to head

Family Health Protector vs Family Health Optima Insurance Plan

Save New comparison

Specifications side by side

Spec
Family Health Protector
Family Health Optima Insurance Plan
Cover
Plan type
Family floater
Family floater
Sum insured options
1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
Highest sum insured
30 lakh
25 lakh
Entry age
1 day (dependent child) to 65 years
18 years (adults); 16 days (dependent children) to 65 years
Room rent
No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
Single Private A/C Room
Co-payment
None (optional co-payment)
20% of each and every claim for Insured Persons whose age at entry is 61 years and above
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
Reinstatement of Basic Sum Insured to the extent of claim paid; free for first claim in policy year (SI Rs 3 lakh and above)
Automatically restored 3 times in a Policy Year by 100% each time upon exhaustion; usable only for illness unrelated to earlier claims (not for Modern Treatment)
No-claim bonus
Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
Loyalty Bonus 10% of expiring Sum Insured per year (irrespective of claims), up to maximum 100% of Sum Insured
Maternity
Not covered
—
OPD
Not covered
Not covered (unlimited tele-consultation only)
Insurer
Health incurred claim ratio (insurer)
83.74%
70.3%
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)
10000+
16,000+
IRDAI UIN
IFFHLIP26042V062526
SHAHLIP26046V092526

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

Family Health Protector

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap

Family Health Optima Insurance Plan

  • Con: Co-payment: 20% of each and every claim for Insured Persons whose age at entry is 61 years and above
Compare