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Health Connect (Supreme) vs Super Health - Elite

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Specifications side by side

Spec
Health Connect (Supreme)
Super Health - Elite
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7.5 lakh, 10 lakh, 15 lakh
3 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
Highest sum insured
15 lakh
25 lakh
Entry age
91 days to 65 years
From 91 days (no maximum stated)
Room rent
No room rent capping
Actuals up to Sum Insured
Co-payment
None (optional voluntary co-pay 5%/10%/20% for discount)
None (optional 10%/20%)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
24 months
Specific illness waiting
—
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
100% restoration of basic SI on occurrence of another unrelated event (once during the Policy Period)
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
No-claim bonus
Auto increase in Sum Insured by 10% for every claim free year up to 100% of Basic SI, or 2.25% renewal premium discount
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 100% (reduced in same proportion if claim settled)
Maternity
—
Not covered
OPD
—
Not covered
Premium
Sample annual premium
₹14,143
—
Sample premium is for
Individual plan, Supreme, age band 26 Years - 35 Years, Sum Insured 10,00,000, annual premium, excluding GST (no zones in rate chart)
—
Insurer
Health incurred claim ratio (insurer)
92.99%
82.19%
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)
7200+
18,000+
IRDAI UIN
LIBHLIP26039V062526
SBIHLIP24141V022324

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Pros and cons

Health Connect (Supreme)

  • 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 unless you choose one for a lower premium
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 88% of the 52 health insurance plans on Comparezi that state it (₹15 lakh)

Super Health - Elite

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