Health Alpha vs MediCare Premier

Individual and family floater

Individual and family floater

From 91 days (no maximum stated)

Up to actuals or Single Private AC Room or Twin Sharing Room, as opted

No room rent sub-limit stated (In-patient Treatment up to Sum Insured)

None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)

None

—

—

Yes

Yes

Yes

Yes

Optional: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount

Additional amount equivalent to base Sum Insured, restored once during the policy year

Cumulative Bonus 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount

Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium

Optional cover (ages 18-45), 24-month waiting period

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

Optional OPD Cover section

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)

—

Age band 26-30, Hospitalization Cover Sum Insured Rs 10,00,000, 'Hospitalization Base Office Premium excl GST' from the official rate chart (per insured, before zone/option relativities; Zone A carries 0% discount per prospectus so this is the undiscounted base). Rate chart note: 'Final premium to be assessed basis coverages opted, Zones, family combination, corresponding limits opted, relevant UW parameters'. Policy term not stated on chart.

—

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)

SBIHLIP26038V012526

TATHLIP26052V052526