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Health Insurance · head to head

Health Connect (Supreme) vs Health Insurance (Gold)

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Quick verdict

  • Health Connect (Supreme) is better for existing illness covered sooner.

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

Specifications side by side

Spec
Health Connect (Supreme)
Health Insurance (Gold)
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
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
15 lakh
20 lakh
Entry age
91 days to 65 years
3 months to 65 years
Room rent
No room rent capping
Standard Single Private Room; no capping on ICU accommodation
Co-payment
None (optional voluntary co-pay 5%/10%/20% for discount)
Compulsory 20% for each Insured Person aged above 60 Years
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
36 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)
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
Auto increase in Sum Insured by 10% for every claim free year up to 100% of Basic SI, or 2.25% renewal premium discount
50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
Maternity
—
Up to Rs 50,000; waiting period of 4 years (Gold)
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%
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)
7200+
10000+
IRDAI UIN
LIBHLIP26039V062526
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 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)

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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