"In case you are not there to hold him make sure you leave a safety net for him"
In today’s fast paced lives that we live and in a race to excel in everything, we forget one of the most important asset we own i.e. our health. Due to various habits & changing lifestyles, health related concerns have just become increasingly alarming.
"In case you are not there to hold him make sure you leave a safety net for him"
| Title | TATA AIG | HDFC HEALTH | STAR HEALTH | ORIENTAL INSURANCE | MAX BUPA | THE NEW INDIA ASSURANCE |
|---|---|---|---|---|---|---|
| Room Rent Limit | Covered | Covered | No capping on room rent Treatment at Single Standard A/C room | 1% for Silver and Gold Plan & For Diamond Plan: Rs.10,000 + 0.5% of the Sum Insured | Covered upto Sum Insured | Up to 1% of sum insured |
| ICU Daily Rent Limit | Covered | Covered | Actual | 2% for Silver and Gold Plan & For Diamond Plan Rs.20,000 + 1% of the Sum Insured | Covered | Up to 2% of sum insured |
| Pre-Hospitalization Expenses | 30 days | 60 days | 60 days | 30 days | 30 days | 30 days |
| Post Hospitalization Expenses | 60 days | 180 days | 90 days | 60 days | 60 days | 60 days |
| Minimum Hospitalization Period | 24 hours | 24 hours | 24 hours | 24 hours | 24 hours | 24 hours |
| Day Care Procedure Coverage | Covered | Covered | All day care procedures Covered | Yes | Covered upto Sum Insured | 139 procedures |
| Day Care Procedure Coverage | Covered | Covered | All day care procedures Covered | Yes | Covered upto Sum Insured | 139 procedures |
| Automatic Restoration of Sum Insured | Automatically restore the Basic Sum Insured upon exhaustion of the Sum Insured and accrued Cumulative Bonus, during the policy period. | Yes,100% of S.I | Automatic Restoration can be used for Same illness & diseases | NA | Up to Base Sum Insured | NA |
| Pre-Existing Disease / Illness coverage | Covered after 48 months of continuous coverage have elapsed. | After 36 months, 24 months for specific diseases | After 36 months of continuous coverage. By paying extra premium PED waiting period can be reduced to 12 months | After 48 months | For SI upto 4 Lac after 48 Month of continuous coverage. For SI more than 4 Lac after 36 months of continuous coverage | After 48 months and claim free renewal |
| Waiting Period for New Policy | 30 days | 30 days | 30 days | 30 days | 30 days | 30 days |
| Co-Payment | 10% of the admissible claim if room category is higher than shared accomodation. | NA | Up to 10% for age above 60 years | 10% Co Pay under Silver plan | NA | Yes |
| Free Health Checkup | At the end of a block of every continuous four claim free years, upto 1%of Sum Insured will be paid. | For SI 3 Lakh NA, For SI 5 Lakh Rs 1500, For SI 10 Lakh Rs 2000, For SI 15Lakh Rs 4000, For SI 20 Lakh, 25 Lakh, 50 Lakh Rs 5000 | Health Check up for every claim free year | NA | Variant I: Once in two years. Variant II and Variant II: Annual as per annexture | Up to 50% for Pre-acceptance health checkup |
| Ambulance Expenses | Covered | Covered | Available | Up to 1000 per illness, max 1% or 3000 | up to 3000 | Up to 1% of Sum Insured, Max – 2500 |
| Non-Allopathic Treatments | Covered | NA | AYUSH treatment is covered | NA | Covered upto Sum Insured | Up to 25% of sum insured |
| Donor Expenses | The Medical and surgical Expenses of the organ donor for harvesting the organ where an insured person is the recipient. | NA | Special SI for Organ donor cover, covers Redo surgery and ICU admission for donor | Yes | Covered | Covered |
| No Claim Bonus | Medicare:-50% Bonus accumulating upt 100% Medicare Premier:-50% Bonus accumulating upt 100% Medicare Protect:10% accumulating upt 100% | Up to 50% of basic sum insured, Max 100% | 100% Increase in Sum Insured upon a claim free renewal. | NA | 20% of base SI, max 100% | NA |
