| 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 A 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) |
5,907 |
6,790 |
5,736 |
NA |
8,111 |
5,965 |
5,680 |
7,693 |
6,871 |
5,405 |
5,681 |
| 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 emergen-cies 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 doc's |
Refer to the policy doc's |
Refer to the policy doc's |
upto 2 yrs or Pls refer to the policy doc's |
Up to 90 days |
upto 2 yrs or Pls refer to the policy doc's |
upto 2 yrs or Pls refer to the policy doc's |
upto 2 yrs or Pls refer to the policy doc's |
Refer to the policy documents |
1 or 2 yrs or Pls refer to the policy doc's |
upto 2 yrs or Pls refer to the policy doc's |
| 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 & Boarding 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 |
| Accidental 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 individual 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 |
