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Health Insurance · head to head

HealthGain vs Mediclaim Policy

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IndusInd General

HealthGain

Premium depends on your profile

Quick verdict

  • HealthGain 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
HealthGain
Mediclaim Policy
Cover
Plan type
Individual and family floater
Individual
Sum insured options
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 3 crore, 5 crore
1 lakh, 2 lakh, 3 lakh, 5 lakh, 8 lakh, 10 lakh, 12 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 5 crore
Highest sum insured
500 lakh
500 lakh
Entry age
From 91 days (no maximum stated)
3 months to 65 years
Room rent
Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals
1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)
Co-payment
None for Zone A premium; 20% if Zone B premium and treated in Zone A
20% if insured from Zone 2 is treated in Zone 1; none otherwise
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
—
Benefits
Pre-hospitalisation
60 days
30 days
Post-hospitalisation
90 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Unlimited reinstatement of Base Sum Insured on subsequent claims, related and unrelated illness or injury
Reinstatement of Sum Insured once exhausted, only where Sum Insured is Rs. 5 lakh or more; effective after discharge for subsequent hospitalisation for unrelated illness/injury
No-claim bonus
33.33% of Base Sum Insured per claim-free year, max 100%; 33.33% decrease for every claim year
25% at each claim-free renewal, maximum 50% (SI up to 15L) or 100% (SI 25L to 5Cr); reduced at same rate on claim
Maternity
Optional (Mother and Child Care cover), 24-month waiting for 1-2 year policies
Not covered
OPD
Not covered
Not covered
Premium
Sample annual premium
—
₹11,479
Sample premium is for
—
Individual, age 30, Sum Insured 10 lakh, 1-year annual premium, Zone 1 (Maharashtra and Gujarat - the higher-priced zone; Zone 2 age 30 10L = 9,779), excluding GST (chart notes Nil GST w.e.f. 22 Sept 2025)
Insurer
Health incurred claim ratio (insurer)
87.34%
100.98%
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)
10,000+
—
IRDAI UIN
INIHLIP26040V042526
NIAHLIP25040V102425

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

HealthGain

  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it

Mediclaim Policy

  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it
  • Con: Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Con: Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Con: Co-payment: 20% if insured from Zone 2 is treated in Zone 1; none otherwise
  • Con: Room rent capped: 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)
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