Compare HDFC ERGO vs Cholamandalam
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| Health Suraksha
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Gold Smart
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Platinum Smart
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Healthline
Value
Freedom
Enrich
Privilege
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Flexi Health
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Arogya Sanjeevani
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| In-patient Treatment | |||||
| Covered | Covered | Covered | Covered | Covered | Covered |
| Room Rent | |||||
| At Actual | capping on room rent | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day. | Single occupancy AC room is allowed for all Sum Insured except for Rs. 1 Lakh / 2Lakhs. For Rs. 1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively. |
NIL Room Rent restrictions | Covered |
| ICU Charges | |||||
| At Actuals | Covered | Up to 5% of sum insured subject to maximum of Rs.10,000 per day | Covered | Not Covered | Not Covered |
| Pre-hospitalization | |||||
| 60 days before the date of admission to the hospital | 60 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | Value Healthline: 30 days before the date of admission to the hospital Freedom, Enrich, Privilege Healthline: 60 days before the date of admission to the hospital |
30 days | 30 days |
| Post-hospitalization | |||||
| 180 days after discharge from the hospital | 180 days after discharge from the hospital | 60 days after discharge from the hospital | Value Healthline: 60 days before the date of admission to the hospital Freedom, Enrich, Privilege Healthline: 90 days before the date of admission to the hospital |
60 days | 60 days |
| Day Care Procedures | |||||
| Covered | Covered | Covered | Covered | Covered | All day care procedures covered |
| Domiciliary Treatment | |||||
| Covered | Covered | Covered | Covered (Maximum 7 days) | Covered | Covered |
| Emergency Ambulance | |||||
Silver Smart: Rs.2,000 Gold Smart: Rs.3,500 Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500; Sum insured 50 & 75 lakhs : Rs.15,000 |
Covered | Maximum of Rs.2,000 per hospitalisation | Value Healthline: Rs.1,000 per hospitalisation Freedom & Enrich Healthline: Rs.2,000 per hospitalisation Privilege Healthline: Rs.5,000 per hospitalisation |
Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation | Maximum of Rs. 2000 per hospitalisation |
| Dental Treatment | |||||
| Not Covered | Not Covered | Dental treatment, necessitated due to disease or injury | Value,Freedom & Enrich Healthline: Not Covered Privilege Healthline: Rs.10,000 every 2 Years (Additional benefit) |
Not Covered | Covered |
| Bariatric Surgery | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||||
| Covered | Covered | Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy |
Covered | Covered | Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy |
| Maternity Benefits | |||||
| Covered(Optional) (Waiting period : 3 years) |
Not Covered | Not Covered | Value,Freedom & Enrich Healthline: Not Covered Privilege Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals) |
Not Covered | Covered |
| New Born baby cover | |||||
| Up to parent care sum insured(Optional) | Not Covered | Not Covered | Value,Freedom & Enrich Healthline: Not Covered Privilege Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured |
Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date | Not Covered |
| Organ Donor Expenses | |||||
| Covered | Covered | Not Covered | Covered | Covered | Not Covered |
| Vaccination (In case of post bite treatment) | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Covered | Not Covered |
| Health Check-up | |||||
| Covered | 1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000) |
Not Covered | Value Healthline: Not Covered Freedom Healthline: Once after 3 claim free years Enrich & Privilege Healthline: Once after 2 claim free years |
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000) |
Not Covered |
| Hospital daily allowance | |||||
| Covered up to Sum Insured | Covered up to Sum Insured | Not Covered | Value Healthline& Freedom Healthline: Not Covered Enrich & Privilege Healthline: Rs.10,000 (Minimum 10 days Hospitalization) (Additional benefit) |
Covered up to Sum Insured | Not Covered |
| Daily Cash for Accompanying an Insured Child | |||||
| Not Covered | Not Covered | Not Covered | Value Healthline& Freedom Healthline: Not Covered Enrich Healthline : Rs 500 per day for 7 days Privilege Healthline: Not Covered (Additional benefit) |
Not Covered | Not Covered |
| Co-pay | |||||
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%; Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%; Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25% |
NIL / co-pay applicable upto 20% for treatment in higher class cities | 5% co-pay on all claims | Value Healthline: 10% on all claims Freedom, Enrich, Privilege Healthline: Not Covered (for age above 55years) |
NIL / co-pay applicable upto 20% for treatment in higher class cities | 5% co-pay on all claims |
| Pre-existing diseases coverage | |||||
| Pre-existing diseases covered after 3 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous coverage | Pre-existing diseases covered after 4 years of continuous coverage |
| Restore Benefit | |||||
| Sum Insured Rebound upto 100% of Sum Insured per year | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| General waiting period | |||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | |||||
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%; Platinum Smart: 25% on base sum insured for every claim free year and up to 200% |
5% on base sum insured for every claim free year and up to 50% | 5% on base sum insured for every claim free year and up to 50% | Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured Privilege Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured |
5% on base sum insured for every claim free year and up to 50% | 5% on base sum insured for every claim free year and up to 50% |
| Emergency Air Ambulance | |||||
Silver Smart:Not Covered; Gold Smart: Up to 2 lakhs; Platinum Smart : Up to 5 lakhs. |
Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Available sum insured options | |||||
Silver Smart: Rs.3 to 5 Lakhs Gold Smart: Rs.7.5 to 15 Lakhs Platinum Smart: Rs.20 to 75 Lakhs |
Rs.3 to 50 Lakhs | Rs.1 to 5 Lakhs | Value Healthline: Rs.1 to 10 Lakhs Freedom Healthline: Rs.2 to 15 Lakhs Enrich Healthline: Rs.3 to 25 Lakhs Privilege Healthline: Rs.5 to 25 Lakhs |
Rs.3 to 50 Lakhs | Rs.1 to 5 Lakhs |
| Policy can be purchased for | |||||
| 1/2/3 Years | 1/2/3 Years | 1 Year | 1/2/3 years | 1/2/3 Years | 1 Year |
| Eligibility criteria | |||||
| Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) | Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) | Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals | Adults from 18 to 65 years (dependents 90 days to 26 years) | Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) | Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals |
| Renewability | |||||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Claims loading | |||||
| Loading | Loading | No Loading | No Loading | Loading | No Loading |
| Portablity(At the time of renewal) | |||||
| Yes | Yes | Yes | Yes | Yes | Yes |
| Tax Benefits Limit | |||||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
| Useful Links | |||||
| HDFC Ergo | Cholamandalam | |
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| Claims Settlement Ratio ** | 62.73% | 73.87% |
| Number of Lives Covered * | 27,48,000 | 27,48,000 |
| Network Hospitals | 6,000 + | 6,000 + |
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