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Arogya Sanjeevani Policy vs Complete Healthcare Insurance (Privilege)

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Specifications side by side

Spec
Arogya Sanjeevani Policy
Complete Healthcare Insurance (Privilege)
Cover
Plan type
Individual and family floater
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, 5.5 lakh, 6 lakh, 6.5 lakh, 7 lakh, 7.5 lakh, 8 lakh, 8.5 lakh, 9 lakh, 9.5 lakh, 10 lakh
6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh
Highest sum insured
10 lakh
10 lakh
Entry age
3 months to 65 years
91 days to 75 years
Room rent
2% of sum insured subject to maximum of Rs.5000/- per day
—
Co-payment
5% on all claims
None in base (10% co-pay only if optional tiered-network discount is opted and treatment is in non-tiered network)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
—
12 months
Benefits
Pre-hospitalisation
30 days
30 days
Post-hospitalisation
60 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
—
Restore Sum Insured equal to 100% of Base Sum Insured automatically available for the Policy Year once base SI and No Claim Bonus are exhausted
No-claim bonus
Cumulative Bonus 5% per claim free policy year, maximum 50% of sum insured; reduced at same rate on claim
10% increase in SI for every claim free year up to 50% (Privilege), or no-claim discount
Maternity
Not covered
Normal delivery up to Rs 25,000, Caesarean up to Rs 50,000 (incl. pre/post natal up to Rs 2,000); 36 months waiting period (Privilege)
OPD
—
Covered up to 1% of SI or actuals, maximum Rs 7,500 (Privilege), after waiting period of 3 years
Premium
Sample annual premium
₹8,836
₹11,410
Sample premium is for
Age band <=35, Sum Insured Rs 10,00,000, annual premium, no zones, excluding GST
1 Adult, age band 26-30, Privilege plan, Sum Insured 10 Lakhs, 1-year; chart has no zones; GST inclusion not stated on chart
Insurer
Health incurred claim ratio (insurer)
100.98%
97.12%
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)
IRDAI UIN
NIAHLIP25044V022425
UNIHLIP25036V042425

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

Arogya Sanjeevani Policy

  • 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: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Con: Co-payment: 5% on all claims

Complete Healthcare Insurance (Privilege)

  • 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
  • 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: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
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