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INDIVIDUAL HEALTH INSURANCE |
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Call : 9884001588 / 9884021588 |
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| With changes in Life style, food habits, work stress levels and
increase in road accidents, the cst of medication is very high. Talking of
Mediclaim or Health Insurance Policy to protect oneself against unforeseen
extra-ordinary medical expenses which an individual may be required to
incur following an accident or sickness has become a necessity. For an individual or his family Individual Mediclaim Policy is used while for groups like Employees or Societies Group Mediclaim Policy is used. In the Chart given below an attempt is made to compare some health policies available from Public and Private Sector Insurers. The list is not exhaustive as many Insurers have more than one health insurance available with them. This comparative chart will facilitate the consumer to select a suitable cover for himself or his family in a scientific manner including study of other variant of health coves which are offered by the Insurers. |
| USP / Features | Health Shield Gold (Royal Sundaram) | Health Insurance (ICICI Lombard) |
Mediclaim (National / New India) |
Health Guard (Bajaj Allianz) |
| Age Limits | 3 Months to 75 years | 5 to 75 years Upto 65 yrs | 3 months to 80 years | 3 months to 55 years |
| Reimbursement of hospital bills | Yes | Yes | Yes | Yes |
| Cashless Facility (See list of Hospitals) | Yes | Yes | Yes | Yes |
| Tax exemption under section 80 D up to Rs. 10000 | Yes | Yes | Yes | Yes |
| Pre and post hospitalisation charges | Yes Pre - 30 days Post - 60 days |
Yes Pre - 30 days Post - 60 days |
Yes Pre - 30 days Post - 60 days |
Yes Pre - 60 days Post - 90 days |
| Maternity benefits cover | Yes Up to Rs. 20000/- |
No | No | No |
| Cumulative bonus on renewal if no claim raised in policy period | 15% per year Max 60% |
No Cumulative Bonus 5% discount on renewals for every claim free years |
5% per year Max 50% |
5% per year Max 50% |
| Family Discount | 10% for three or more persons | No | 10% for two or more persons | 5% for Two or more |
| Free health check up | No | No | 1% of sum insured for 4 claim free years. | Upto Rs. 1000 for four claim free years |
| Major surgical expenses | Nothing extra | Extra 30% of Sum Insured for major Surgeries | Nothing extra | Nothing extra |
| Pre existing disease cover (conditions apply) | Yes from 6th year onward | Yes from 5th year onward | No | Yes from 5th year onward. Yes, Above 45 yrs |
| Pre insurance medical test | 60 years onwards | 60 years onwards | Above 45 years | For Sum insured over Rs. 2 Lacs |
| Sum Insured | Min - Rs. 75,000 Max - Rs. 5 Lacs |
Min - 2 lacs Max - Rs. 5 lacs |
Min - Rs. 15,000 Max - Rs. 5 lacs |
Min Rs. 1 lac Max - Rs. 5 lacs |
| Hospitalisation allowance | None | Rs. 4000 on metro centers | None | None |
| Day care treatment | Yes (See list) |
Yes (See list) |
Yes (See list) |
No |
| Premium Sum Insured Rs. 1 Lac Age 35 approx Age 55 approx |
Rs. 1841 Rs. 2674 |
Not available Not available |
Rs. 1444 Rs. 2247 |
Rs. 1335 Rs. 2513 |
| Premium Sum Insured Rs 2 lacs Age 35 approx Age 55 approx |
Rs. 4219 Rs. 6534 |
Rs. 3300 Rs. 7143 |
Rs. 3796 Rs. 6119 |
Rs. 3559 Rs. 6281 |
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