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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Individual Mediclaim and family Health Insurance Products in India (Single Person)
(1) Comparison of Individual Health Insurance Policies (2) Premium Comparative Chart Individual Health Insurance
(3) Coverage & Exclusion under Individual Insurance (4) Policy Wording/ Proposal Form/ Brochure
(5) Product details of Various Companies for Individual Health Insurance
General/ Health Insurance Companies Products
Apollo Munich Insurance Co. Ltd.
Bajaj Allianz General Insurance Company Limited
Cholamandalam Ms General Insurance Company Limited
Future Generali India Insurance Co. Ltd.
HDFC Ergo General Insurance Company Limited
ICICI Lombard General Insurance Co. Ltd.
IFFCO Tokio General Insurance Co. Ltd.
National Insurance Company Limited
Reliance General Insurance Co. Ltd.
Religare Health Insurance Company Limited
Royal Sundaram General Insurance Co. Limited
Star Health and Allied Insurance Co. Ltd.
Tata AIG General Insurance Co. Ltd.
The New India Assurance Co. Ltd.
The Oriental Insurance Co. Ltd.
United India Insurance Co. Ltd.
Universal Sompo General Insurance Co. Ltd.
(6) Specimen Premium Rates of Insurance Company's
1- Comparison of Individual Health Insurance Policies
Individual Health Insurance Comparative - Age 34, Sum Insured Rs. 5 Lakhs
Companies/ Parameters Apollo Munich Bajaj Allianz Chola-Mandlam ICICI Lombard Max Bupa National Oriental Reliance General Royal Sundram Star Health United India
Sum Insured (Individual) 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000
Name of Policy Easy Health Individual Health Insurance-Standard Health Guard Chola Health Insurance (Individual Health) Family Floater Health Insurance Plan Individual Heart beat Gold Health Plan Mediclaim Insurance Policy Mediclaim Policy Reliance Health Wise Policy (Silver Plan) Health Shield Standard Medi Classic Platinum Plan
Premium
(including
service tax)
6017 6917 5843 NA 8262 6076 5786 7837 6999 5506 5787
Renewal upto what age No Limit 75 70 70 No limit 65 65 upto 75 70 80 upto 90
Cooling Off Period (days) 30 30 30 30 90 days,(All medical & accidental emergencies are covered from day 1) 30 30 30 30 30 30
Specified
diseases
excluded
for(yr)
upto 2 yrs or Pls refer to the policy document Refer to the policy document Refer to the policy document upto 2 yrs or Pls refer to the policy document Up to 90 days upto 2 yrs or Pls refer to the policy document upto 2 yrs or Pls refer to the policy document upto 2 yrs or Pls refer to the policy document Refer to the policy document 1 or 2 yrs or Pls refer to the policy document upto 2 yrs or Pls refer to the policy document
Pre-existing diseases (cover after yr) 3 yrs 2 yrs 4 yrs 4 yrs 4 yrs 4 yrs 4 yrs 2 yrs 5 yrs 4 yrs 4 yrs
Cashless facility & Network of hospitals Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes  
Ambulance Charges Upto Rs. 2000 limit Rs. 1000/- Covered Covered Covered upto SI in Network hospitals. Max Limit of Rs. 2000 in case of Out of network hospitals 1% of SI 1% of SI Rs.750 limit Rs. 1000/- Rs.750 per hospitali-sation Covered
Room & Boardin Expenses No Limit 1% of SI 1% of SI No Limit No Limit 1% of SI 1% of SI No Limit 1% of SI 2% of SI, subject to Max. 4000/- per day upto 1% of SI
Accidenta Cover Covered Covered Covered Covered Covered Covered Covered Covered Covered Covered Covered
No Claim Bonus/ Cumulative Bonus 10% 5% 5% NA Vouchers for 10% of renewal premium NA NA NA 15% NA NA
Discount (if 2 or more persons take individua policy from same family) NA 10% 5% for 2 person 10% for 3 or more person NA NA 10% 10% NA 10% 10% NA
Renewal Discount NA NA NA 5% NA NA NA 5% NA 5% NA
Free Health Checkup Upto 1% upto Rs. 1000/- Covered Covered Annual(No Limit) Covered 1% of SI Covered 1% of SI Covered Covered Covered Covered
Pre-hospitalization (days) 30 60 60 30 up to 30 15 30 60 30 upto 30 days 30
Post-hospitalization (days) 60 90 90 60 60 30 60 90 60 lump-sum of Rs. 7% of hospitali-sation expenses 60
Note: Premium - Including Service Tax 12.36%
NA = Not Available
NM = Not Mentioned
Max Bupa Premium Rates : Region National Capital & Bengaluru
For more information/clarification : Pls refer to the policy documents.
Last Updated on Aug,2012
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