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Health Insurance · head to head

HealthGain vs MediCare Premier

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IndusInd General

HealthGain

Premium depends on your profile

Quick verdict

  • MediCare Premier is better for existing illness covered sooner.
  • HealthGain is better for high sum insured available.

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

Specifications side by side

Spec
HealthGain
MediCare Premier
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 50 lakh, 1 crore, 3 crore, 5 crore
5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
500 lakh
300 lakh
Entry age
From 91 days (no maximum stated)
91 days to 65 years
Room rent
Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals
No room rent sub-limit stated (In-patient Treatment up to Sum Insured)
Co-payment
None for Zone A premium; 20% if Zone B premium and treated in Zone A
None
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
24 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
Unlimited reinstatement of Base Sum Insured on subsequent claims, related and unrelated illness or injury
Additional amount equivalent to base Sum Insured, restored once during the policy year
No-claim bonus
33.33% of Base Sum Insured per claim-free year, max 100%; 33.33% decrease for every claim year
Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
Maternity
Optional (Mother and Child Care cover), 24-month waiting for 1-2 year policies
Covered: Rs 50,000 (Rs 60,000 girl child) for SI up to 50 lakh; Rs 1,00,000 (Rs 1,20,000 girl child) above; 3-year waiting period
OPD
Not covered
Covered after 2 years of continuous coverage: up to Rs 5,000 per policy year (SI up to 50 lakh) to Rs 20,000 (SI 300 lakh)
Insurer
Health incurred claim ratio (insurer)
87.34%
76.24%
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+
13,000+
IRDAI UIN
INIHLIP26040V042526
TATHLIP26052V052526

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

MediCare Premier

  • 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 on claims
  • Pro: No room-rent cap
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