| Family Floater for 2 Adults (Age 34, Sum Insured Rs. 5 Lakhs) |
| Companies/ Parameters |
Apollo Munich |
ICICI Lombard |
Max Bupa |
National Insurance |
New India Assurance |
Oriental Insurance |
Reliance General |
Star Health |
| Sum Insured |
500,000 |
400,000 (Max SI Limit) |
500,000 |
500,000 |
500,000 |
500,000 |
500,000 |
500,000 |
| Name of Policy |
Easy Health Standatd Family Floater |
Family Floater Health Insurance |
Heartbeat Gold Health Plan |
PARIVAR-Mediclaim for Family |
Family Floater Mediclaim Policy |
Happy Family Floater (Silver plan) |
Reliance Health Wise Policy (Silver Plan) |
Star Family Health Optima Insurance Plan |
| Premium (including service tax) |
8226 |
6982 |
15165 |
7235 |
8899 |
7012 |
12710 |
6652 |
| Renewal upto what age |
Life long |
70 yrs |
Life long |
65 yrs |
above 70 yrs |
65 yrs |
upto 75 yrs |
60 yrs |
| Cooling Off Period (days) |
30 days |
30 days |
90 days |
30 days |
30 days |
30 days |
30 days |
30 days |
| Exclusion till no. of yrs for ENT disorders and surgeries, Hernia, Ovarian Diseases, Hydrocele, Cataract, Surgery of benign prostatic hypertrophy, Fissure/ Fistula in anus, Piles, Gout and Rheumatism, Surgery of Gall Bladder etc. |
upto 2 yrs or Pls refer to the policy documents |
upto 2 yrs or Pls refer to the policy documents |
90 days |
upto 2 yrs or Pls refer to the policy documents |
upto 2 yrs or Pls refer to the policy documents |
upto 2 yrs or Pls refer to the policy documents |
upto 2 yrs or Pls refer to the policy documents |
1 or 2 yrs or Pls refer to the policy documents |
| Pre-existing diseases (cover after yr) |
3 Yrs |
4 yrs |
4 yrs |
4 Yrs |
4 yrs |
4 yrs |
2 yrs |
4 yrs |
| Day Care Treatment |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
| Cashless facility & Network of hospitals |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Ambulance Charges |
upto Rs.2000 |
Covered |
Covered upto SI in Network hospitals. Max Limit of Rs. 2000 in case of Out of network hospitals |
Covered |
Covered |
Covered |
Covered |
Covered |
| Room & Boarding Expenses |
No Limit |
No Limit |
Single Private Room (No Limit) |
1% of SI |
1% of SI |
1% of SI |
No Limit |
2% of SI, subject to Max. 4000/- per day |
| Accidental Cover |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
| No Claim Bonus/ Cumulative Bonus |
10% |
5% |
Vouchers for 10% of renewal premium |
NA |
NA |
NA |
NA |
NA |
| No Claim Discount |
NA |
NA |
NA |
NA |
NA |
5% |
5% |
10% |
| Free Health Checkup |
Covered |
Covered |
Covered |
Covered |
Not Covered |
Not Covered |
Covered |
Covered |
| Pre-hospitalization (days) |
30 |
30 |
30 |
15 |
30 |
30 |
60 |
upto 30 days |
| Post-hospitalization (days) |
60 |
60 |
60 |
30 |
60 |
60 |
90 |
upto 7% of hospitalisation expenses |
| Maternity Cover |
|
|
2 Years |
|
|
|
|
|
| New Born Baby |
NA |
NA |
From Day 1 |
NA |
NA |
NA |
NA |
NA |
| Child Vaccinations |
NA |
NA |
Upto 1 Year |
NA |
NA |
NA |
NA |
NA |
| Cost of Medical Tests |
|
|
Born by Max Bupa |
|
|
|
|
|
| Co Payment |
No |
No |
No Co-Payment for Out of Network Hospitals |
No |
No |
No |
No |
No |
| Entry Age |
18 yrs to 60 yrs |
5 yrs to 60 yrs |
No Limit |
35 yrs to 60 yrs |
3months to 70 yrs |
21 yrs to 55 yrs |
3 months to 65 yrs |
5 months to 60 yrs |
