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| Individual Insurance Plan, Family Health Insurance Products in India (Single Person) |
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| (1) |
Comparison of Individual Health Insurance Policies |
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(2) |
Premium Comparative Chart Individual Health Insurance |
| (3) |
Coverage & Exclusion under Individual Insurance |
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(4) |
Policy Wording/ Proposal Form/ Brochure |
| (5) |
Product details of Various Companies for Individual Health Insurance |
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| General/ Health Insurance Companies Products |
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| Apollo Munich Insurance Co. Ltd. |
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Easy Health Individual Health Insurance Plan |
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| Bajaj Allianz General Insurance Company Limited |
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Health Guard |
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Hospital Cash |
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| Bharti AXA General Insurance Company Limited |
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Smart Health Individual Policy |
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| Cholamandalam Ms General Insurance Company Limited |
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Individual Health |
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| Future Generali India Insurance Co. Ltd. |
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Health Suraksha Individual Plan |
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| HDFC Ergo General Insurance Company Limited |
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Health Suraksha |
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| ICICI Lombard General Insurance Co. Ltd. |
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Health Advantage Plus |
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| IFFCO Tokio General Insurance Co. Ltd. |
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Individual Medishield |
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| National Insurance Company Limited |
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Mediclaim Policy |
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| Reliance General Insurance Co. Ltd. |
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Individual Mediclaim Insurance Policy |
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| Star Health and Allied Insurance Co. Ltd. |
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Medi Classic |
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Medi Premier |
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True Value |
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| Tata AIG General Insurance Co. Ltd. |
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Maharaksha |
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| The New India Assurance Co. Ltd. |
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Mediclaim 2007 |
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| The Oriental Insurance Co. Ltd. |
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Individual Mediclaim Policy |
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| United India Insurance Co. Ltd. |
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Mediclaim Policy |
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| (6) |
Specimen Premium Rates of Insurance Company's |
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| 5- Care Health Insurance from Religare Health Insurance Company |
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| Source: Website of Religare health Insurance Company Limited |
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| Other great benefits you also get are - |
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| There's still lot more we have for you!
All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Second Opinion, Ambulance expenses covered, Organ donor medical expenses covered, Increase your Policy’s Sum Insured even later, 7.5% Discount on 2 year policy terms and more. |
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| Compare Care Features |
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| Health insurance policy comes with a wide range of benefits for you. Kindly refer to the below table. |
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| Plan Options |
Features (Sum Insured  ) |
2 Lac. 3 Lac. 4 Lac |
5 Lac. 7 Lac 10 Lac |
15 Lac. 20 Lac 25 Lac |
50 Lac, 60 Lac |
| Pre-hospitalisation |
30 days |
30 days |
30 days |
30 days |
| Post-hospitalisation |
60 days |
60 days |
60 days |
60 days |
| Day Care Treatments |
Yes |
Yes |
Yes |
Yes |
| Room Rent |
1% of SI per day |
Single Private Room |
Single Private Room
Upgradable to Next Level |
Single Private Room
Upgradable to Next Level |
| ICU Charges |
2% of SI per day |
No Limit |
No Limit |
No Limit |
| Doctor's Fee etc. |
No Limit |
No Limit |
No Limit |
No Limit |
| Other Medical Charges |
No Limit |
No Limit |
No Limit |
No Limit |
| Daily Allowance |
500 per day upto 5 days |
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- |
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| Ambulance Cover |
 1,500 per claim |
2,000 per claim |
2,500 per claim |
3,000 per claim |
| Domiciliary hospitalisation |
Up to 10% of SI |
Up to 10% of SI |
Up to 10% of SI |
Up to 10% of SI |
| Organ Donor Cover |
5,000 |
1,00,000 |
2,00,000 |
3,00,000 |
| Annual Health Check-up |
Yes |
Yes |
Yes |
Yes |
| Second Opinion |
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Yes |
Yes |
Yes |
| No Claim Bonus |
Yes |
Yes |
Yes |
Yes |
| Auto-Recharge of Sum Insured |
Yes |
Yes |
Yes |
Yes |
| Care Anywhere |
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- |
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Yes |
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| Exclusions- The standard policy exclusions are - |
- Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
- Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
- Non-allopathic treatment.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenses, dental treatment
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility and in vitro fertilization.
- Please remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.
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