| PREMIUM PAID |
LIC HEALTH PLUS |
RELIANCE WEALTH + HEALTH PLAN |
| Is it unit linked |
Yes |
Yes |
| Yearly Premium – let us say he chooses |
Rs.15000 |
Rs.15000 |
| HCB |
Rs.2500/day |
Rs.750/day |
| MSB benefit in a year |
200 times HCB chosen |
Up to 180 times HCB chosen |
| Maximum Major Surgical Benefit in a year. |
Rs. 5 Lakh |
Rs. 4.5 Lakh |
| No of times MSB benefit can be availed during the entire policy term |
Can be availed three times |
Can be availed three times |
| Amount invested in units |
Rs. 9,000/- |
Rs. 5000/- |
| Waiting Period for HCB during first year. |
180 days from the date of Ins. |
90 days form the date of insurance |
| No. of hours/days not covered in hospital |
First 48 hours(Two days) |
First 48 hours(Two days) |
| Rebate in Income Tax |
Rs. 15000/- |
Rs. 15000/- |
| Pre existing Diseases |
Not covered |
Not covered |
| Maximum HCB annual benefit period in 1st year |
18 days/ adding up to Rs.40,000/-(after deducting first 2 days) |
18 days/ adding up to Rs. 12,000/-(after deducting first 2 days) |
| Maximum HCB annual benefit period in 3rd year |
60 days/ Rs. 1,45,000/- |
60 days/ Rs. 43,500/- |
| No. of HCB days during the policy term |
365 |
180 |
| Payment in I.C.U |
Twice of the H.C.B |
Twice of the H.C.B |
| Minimum and Maximum entry age |
18-55 |
18-55 |
| Overs 10 years amount invested in units |
Rs. 90,000/- |
Rs. 50,000/- |
| Riders |
No |
Yes |
| Investment fund |
Balanced |
100% debt -100% equity |
| MSB |
It is included in the policy |
Insured should give the option if he wants this. |
| Products details covered in |
8 pages |
21 pages |
| Convenience in |
Difficult & complicated |
Difficult & complicated |
| understanding the product |
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