| Family Floater - 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 Ins. |
Family Floater Health Insurance |
Heartbeat Gold Health Plan |
PARIVAR-Mediclaim for Family |
|
Silver plan |
Reliance Health Wise Policy (Silver Plan) |
Star Family Health Optima Insurance Plan |
| Premium (including service tax) |
7,690 |
6,854 |
14,887 |
7,102 |
8,736 |
6,883 |
12,477 |
6,530 |
| Renewal upto what age |
No Limit |
70 yrs |
No limit |
70 yrs |
No Limit |
65 yrs |
upto 60 |
60 yrs |
| Cooling Off Period (days) |
30 days |
30 days |
90 days (All medical & accidental emergencies are covered form day 1) |
30 days |
30 days |
30 days |
30 days |
30 days |
| Exclusion till no. of yrs |
Pls refer to the policy documents |
Refer to the policy documents |
Up to 90 days |
upto 2 yrs or Pls refer to the policy documents |
2 yrs |
2 yrs |
Pls refer to the policy documents |
1 or 2 yrs |
| Pre-existing diseases (cover after yr) |
3 Yrs |
4 yrs |
Upto 4 yrs |
4 Yrs |
4 yrs |
4 yrs |
2 yrs |
upto 2 yrs |
| 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 |
cover but limit NM |
Covered |
Covered |
Rs. 750 |
Rs. 750 per hospitalization |
| Room & Boarding Expenses |
No Limit |
No Limit |
Single Private Room
(No Limit) |
1% of SI |
1% of SI |
1% of SI |
1% of SI |
2% of SI |
| 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 |
5% |
NA |
NA |
NA |
5% |
5% |
10% |
| Free Health Checkup |
Upto 1% |
Covered |
Annual (No Limit) |
Covered |
NA |
NA |
Covered |
Covered |
| Pre-hospitalization (days) |
30 |
30 |
up to 30 days |
15 |
30 |
30 |
60 |
upto 30 days |
| Post-hospitalization (days) |
60 |
60 |
60 days |
30 |
60 |
60 |
90 |
upto 7% of the 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 Co-Payment for Out of Network Hospitals |
|
|
|
|
|
| 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 |
| Free Look Period |
|
|
15 Days (after reciept of policy) |
|
|
|
|
|
| Critical Illness |
|
|
After 90 Days |
|
|
|
|
|
| Renewal Grace Period |
|
|
30 Days |
|
|
|
|
|
| Exclusive Relationship Manager |
|
|
Call would be given by Relationship Manager (MBBS Doctors) |
|
|
|
|
|
