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Health Insurance · head to head

Super Health - Elite vs Health Insurance (Gold)

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Quick verdict

  • Super Health - Elite 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
Super Health - Elite
Health Insurance (Gold)
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
25 lakh
20 lakh
Entry age
From 91 days (no maximum stated)
3 months to 65 years
Room rent
Actuals up to Sum Insured
Standard Single Private Room; no capping on ICU accommodation
Co-payment
None (optional 10%/20%)
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
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
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
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
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 100% (reduced in same proportion if claim settled)
50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
Maternity
Not covered
Up to Rs 50,000; waiting period of 4 years (Gold)
OPD
Not covered
—
Insurer
Health incurred claim ratio (insurer)
82.19%
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)
18,000+
10000+
IRDAI UIN
SBIHLIP24141V022324
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

Super Health - Elite

  • 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

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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