Oriental vs Kotak General Health Insurace

Compare Oriental vs Kotak General Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
Oriental Kotak General
Claims Settlement Ratio ** 99.48% 77.71%
Number of Lives Covered * 3,03,25,000 4,39,000
Network Hospitals 4,300 + 3,900 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Oriental Oriental Oriental Kotak General Care Kotak General Premier Kotak General Arogya Sanjeevani
Individual Mediclaim Happy Floater Arogya Sanjeevani Health Care Health Premier Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Up to base sum insured Covered
Room Rent
Not exceeding 1% of the sum insured per day
Silver & Gold: 1% of the sum insured per day
Diamond: Rs.10,000 and 0.5% of the sum insured above Rs.10 lakhs per day
2% of the sum insured subject to maximum of Rs.5,000 per day No Cap on room rent for this plan Capped at 1% for sum insured less than equal to 4 lakhs No cap on room rent for this plan Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Not exceeding 2% of the Sum Insured per day
Silver & Gold: 2% of the sum insured per day
Diamond: Rs.20,000 and 1% of the sum insured above Rs.10 lakhs per day
Up to 5% of sum insured subject to maximum of Rs.10,000 per day Covered Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
30 days before the date of admission to the hospital 30 days before the date of admission to the hospital 30 days before the date of admission to the hospital Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
60 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital Up to 60 days Up to 90 days Up to 60 days
Day Care Procedures
Covered Covered Covered 150 day care procedures are covered 405 day care procedures are covered All day care procedures are covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Not Covered Not Covered Up to base sum insured Not Covered
Emergency Ambulance
Rs.2,000 or 1% of the sum insured not exceeding Rs.4,000
Silver: Rs.1,000 per illness and 1% of the sum insured subject to maximum Rs.3,000 per policy period
Gold: Rs.2,000 per illness and Rs.6,000 per policy period
Diamond: Rs.3,000 per illness and Rs.8,000 per policy period
Rs.2,000 per hospitalisation Up to Rs.1,500 Covers up to Rs.20,000 per year Covered
Dental Treatment
Not Covered Not Covered Dental treatment, necessitated due to disease or injury Not Covered Covered(covered from reward points)
(1 Reward point = 0.25Rupees)
Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered Covered Not Covered Up to base sum insured Covered
Maternity Benefits
Not Covered
Silver & Gold: Not Covered
Diamond: Covered up to 2.5% of the sum insured
Not Covered Not Covered
Advantage: Not Covered
Edge: Up to Rs.25,000 for normal and Rs.35,000 for Cesarean(optional)
Elite: Up to Rs.50,000 for normal and Cesarean(optional)
(Waiting period: 36 months)
Not Covered
New Born baby cover
Not Covered
Silver & Gold: Not Covered
Diamond: Covered up to 2.5% of the sum insured up to 90 days from the date of birth
Not Covered Not Covered
Advantage: Not Covered
Edge & Elite: Within Maternity Benefit Sum Insured(optional)
(Waiting period: 3years)
Not Covered
Organ Donor Expenses
Covered Lumpsum payment of 10% of the sum insured. Not Covered
Up to Base Annual Sum Insured
(Optional)
Up to base sum insured Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Not Covered Not Covered Not Covered For each insured person above 18 years of age, each policy year for specified tests For each insured person above 18 years of age, each policy year for specified tests Covered 56 years and above
Hospital daily allowance
0.1% of the sum insured per day subject to maximum of 6 days per insured person
Silver: Not Covered
Gold: 0.1% of Sum Insured (Rs.600 to RS.1,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
Diamond: 0.1% of Sum Insured (Rs.1,200 to RS.2,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
Not Covered
Rs.500 per day for minimum of Extensions 3 days subject to maximum of 10 days
(Optional)
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.3,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Co-pay
Option of Voluntary Co-pay of 10% or 20% with premium reduction Mandatory Co-pay of 10% up to 70years / Additional 20% above 70 years 5% Co-pay applicable on all claims NIL co-pay for all treatment NIL co-pay for all treatment 5% Co-pay applicable on all claims
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after a waiting period of 4 years
Advantage: Covered after a waiting period of 4 years
Edge: Covered after a waiting period of 4 years
Elite: Covered after a waiting period of 3 years
Covered after a waiting period of 4 years
Restore Benefit
NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit Up to 100% of base sum insured paid for unrelated illness/accidents Up to 100% of base sum insured for unrelated illness/accidents Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Not Covered Not Covered 5% for every claim free year up to 50% of sum insured 10% for every claim free year up to 50% of sum insured
Advantage: 10% for every claim free year up to 50% of sum insured
Edge: 10% for every claim free year up to 100% of sum insured
Elite: 10% for every claim free year up to 100% of sum insured
5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered Not Covered Not Covered Not Covered
Advantage: Not Covered
Edge: Not Covered
Elite: Up to 10% of base sum insured and subject to a maximum of 5lakhs
(optional)
Not Covered
Available sum insured options
Rs.1 to 10 Lakhs
Silver: Rs.2 to 5 Lakhs
Gold: Rs.6 to 10 Lakhs
Diamond: Rs.12 to 20 Lakhs
Rs.1 to 5 Lakhs
Individual:
Excel: Rs.2 to 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Floater:
Excel: Rs.3 & 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Advantage: Rs.3 to 10 Lakhs
Edge: Rs.5 to 20 Lakhs
Elite: Rs.10 to 25 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 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 5 years)
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
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.1,500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Claims loading
Loading Loading No Loading Loading Loading 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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022