| Companies/Parameters |
National |
Star Health |
Cholamandlam |
Apollo DKV |
ICICI Lombard |
Reliance General |
| Sum Insured |
500,000 |
500,000 |
500,000 |
500,000 |
500,000 |
500,000 |
| Name of Policy |
PARIVAR-Mediclaim
for Family |
Star Family Health Option Insurance Plan |
Chola Family Health Plan |
Easy Health Individual Health Ins.
Standard Plan |
Family Floater Health Insurance |
Reliance Health Wise Policy
(Silver Plan) |
Premium
(including service tax) |
7,235 |
6,652 |
8,595 |
7,834 |
NA |
4,875 |
| Renewal upto what age |
70 yrs |
NM |
NM |
NR |
70 |
upto 60 |
| Cooling Off Period (days) |
30 days |
30 days |
30 days |
30 days |
30 days |
30 days |
| Exclusion till no. of yrs |
upto 2 yrs
or Pls refer
to the policy documents |
1 or 2 yrs |
upto 2 yrs or
Pls refer to
the policy
documents |
Pls refer to the policy documents |
Refer to the policy documents |
Pls refer to the policy documents |
Pre-existing diseases
(cover after yr) |
4 Yrs |
upto 2 yrs |
upto 2 yrs |
3 Yrs |
4 yrs |
2 yrs |
Cashless facility &
Network of hospitals |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Ambulance Charges |
cover but
limit NM |
Rs. 750 per hospitalization |
Rs. 1000 |
upto Rs. 2000 |
Covered |
Rs. 750 |
| Room & Boarding Expenses |
1% of SI |
2% of SI |
Lump sum Amt. paid but according to Sum Insured |
1% of SI |
1% of SI |
1% of SI |
| Accidental Cover |
Covered |
Covered |
Cover |
Covered |
Covered |
Covered |
| No Claim Bonus / Cumulative Bonus |
NA |
NA |
NA |
10% |
NA |
NA |
| No Claim Discount |
NA |
10% |
NA |
NA |
5% |
5% |
| Free Health Checkup |
Covered |
Covered |
Covered |
Upto 1% |
Covered |
Covered |
Pre-hospitalization
(days) |
15 |
upto 30 days |
60 |
30 |
30 |
60 |
| Post-hospitalization (days) |
30 |
upto 7% of the hospitalisation expenses |
90 |
60 |
60 |
90 |
