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Health Insurance · head to head

Health Protector (Individual Health Protector) vs Health Insurance (Gold)

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Quick verdict

  • Health Protector (Individual Health Protector) is better for shorter waiting periods.

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

Specifications side by side

Spec
Health Protector (Individual Health Protector)
Health Insurance (Gold)
Cover
Plan type
Individual
Individual and family floater
Sum insured options
0.5 lakh, 1 lakh, 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
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
20 lakh
20 lakh
Entry age
91 days to 65 years
3 months to 65 years
Room rent
No capping for SI Rs 5 lakh and above; below Rs 5 lakh: 1.75% of SI per day (class A cities) / 1.50% (other cities)
Standard Single Private Room; no capping on ICU accommodation
Co-payment
None (optional 10%/20%/25%)
Compulsory 20% for each Insured Person aged above 60 Years
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
12 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, premium charged thereafter
100% of the Sum Insured once in a policy year (in-built in Gold and Platinum); not triggered on the first claim; unrelated illness only
No-claim bonus
Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
Maternity
Not covered
Up to Rs 50,000; waiting period of 4 years (Gold)
OPD
Not covered
—
Premium
Sample annual premium
₹10,649
—
Sample premium is for
Age band 26-35, Sum Insured Rs 10,00,000, 'Rate Sheet of Health Protector portfolio without Critical Illness', annual, 'Above rates (in Rs) are exclusive of Taxes'; no premium zones in rate chart; before discounts
—
Insurer
Health incurred claim ratio (insurer)
83.74%
90.12%
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+
10000+
IRDAI UIN
IFFHLIP26041V062526
ZUNHLIP26040V042526

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 Protector (Individual Health Protector)

  • Pro: Specific illnesses covered after 1 year, sooner than 89% of the 46 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
  • Con: Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)

Health Insurance (Gold)

  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)
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