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Health Insurance · head to head

Health Alpha vs Health Premier

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Quick verdict

  • Health Alpha is better for existing illness covered sooner.
  • Health Alpha is better for high sum insured available.

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

Specifications side by side

Spec
Health Alpha
Health Premier
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7.5 lakh, 10 lakh, 12.5 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh, 35 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore, 250 lakh, 3 crore
2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore
Highest sum insured
300 lakh
200 lakh
Entry age
From 91 days (no maximum stated)
From 91 days (no maximum stated)
Room rent
Up to actuals or Single Private AC Room or Twin Sharing Room, as opted
No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
Co-payment
None in base (20% if Zone B premium and treated in Zone A; optional voluntary co-pay)
Zone-based: 10% or 20% when treated in a higher zone than the zone paid for
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
24 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Optional: restoration of Base Sum Insured unlimited times during the Policy Year to the extent of claim amount
100% restoration of the Base Sum Insured once in a policy year
No-claim bonus
Cumulative Bonus 50% up to 100% to 1000% of Base SI (as opted) per claim-free year, OR 2.5% renewal discount
10% of the Base Sum Insured for each renewal up to a maximum of 50% or 100% as per plan; no reduction in case of a claim
Maternity
Optional cover (ages 18-45), 24-month waiting period
Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage
OPD
Optional OPD Cover section
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Premium
Sample annual premium
₹7,219
—
Sample premium is for
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.
—
Insurer
Health incurred claim ratio (insurer)
82.19%
70.69%
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)
18,000+
22600+
IRDAI UIN
SBIHLIP26038V012526
ZUKHLIP25054V052425

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 Alpha

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it

Health Premier

  • Pro: No room-rent cap
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