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Health Insurance · head to head

ReAssure 3.0 vs Shri Health Suraksha Insurance Policy

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Quick verdict

  • ReAssure 3.0 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
ReAssure 3.0
Shri Health Suraksha Insurance Policy
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 10 lakh
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
Highest sum insured
10 lakh
10 lakh
Entry age
—
From 3 months (no maximum stated)
Room rent
By variant: Classic General Room; Select Twin Sharing; Elite all rooms except Deluxe/Suite; Black any room (co-payment if room category breached)
Up to 2% of the sum insured subject to maximum of Rs.5000/- per day (base)
Co-payment
None mandatory; room-category co-payment per Annexure V if eligible room category is breached; optional voluntary co-payment 0%-50%
5% on each and every claim (base; waivable by add-on)
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
180 days
60 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
ReAssure Forever: triggered by the first paid claim, stays for life if renewed without break; each claim up to Base Sum Insured (not applicable where Unlimited Sum Insured is opted)
Not in base policy; optional 'Restoration Benefit' add-on: restores unlimited times, maximum 100% of Sum Insured each time, for unrelated disease
No-claim bonus
Booster+: unutilised Base Sum Insured carries forward, accumulating up to 10 times (based on the plan chosen) of the Base Sum Insured
Cumulative Bonus 5% per claim free policy year up to maximum of 50% of sum insured, reduced at same rate on claim (or renewal discount option)
Maternity
Not covered
Not covered
OPD
Not covered in base (unlimited e-consultation, cashless); optional Wellconsult+ OPD cover
Not covered
Premium
Sample annual premium
—
₹7,632
Sample premium is for
—
Individual, age 26-30, Sum Insured 10 Lacs, 1-year, base premium table (Zone 1, 0% zone discount), no add-ons, excluding tax
Insurer
Health incurred claim ratio (insurer)
61.22%
74.55%
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)
19,000+
15,000+
IRDAI UIN
NBHHLIP27059V022627
SGLHLIP26035V022425

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

ReAssure 3.0

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
  • Con: Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)

Shri Health Suraksha Insurance 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 each and every claim (base; waivable by add-on)
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