Health Insurance

Health Insurance

"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.

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Our Best Health Insurance Plan

"In case you are not there to hold him make sure you leave a safety net for him"

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HDFC Health

First of a kind Optima Restore plan offers a unique Restore benefit …

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Star Health

Comprehensive Health Insurance is policy which offers exhaustive …

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Oriental

Happy Family Floater health insurance policy covers medical …

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Max Bupa

Health Companion is a smart health Insurance plan which gives you …

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TATA

Policy that that provides comprehensive health coverage …

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New India

New India Floater Mediclaim is a Policy designed to cover …

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Health Comparison

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