Plan benefits |
TATA AIG health insuranceHospitals Buy online |
Reliance Healthgain insuranceHospitals Buy online |
|
| Medicare | Medicare Premier | ||
| Policy can be purchased for | 1 /2/3 years | 1 /2/3 years | 1 year (if purchased for single women or girl child, a discount of 5% is applicable) |
| Eligibility criteria | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 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 & up to 4 years can be covered under floater plan) |
| Available sum insured options | 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs | 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakh | Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs |
| Renewability | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| In-patient Treatment | Covered upto max SI | Covered upto max SI | Covered |
| Pre-hospitalization | 60 days before the date of admission to the hospital | 60 days before the date of admission to the hospital | Up to 60 days |
| Post-hospitalization | 90 days after discharge from the hospital | 90 days after discharge from the hospital | Up to 60 days |
| Day Care Procedures | 540+ listed Day Care Treatment covere | 540+ listed Day Care Treatment covere | 172 day care procedures are covered |
| Domiciliary Treatment | Covered up to sum insured | Covered up to sum insured | Up to 10% of base sum insured, maximum Rs.50,000/- |
| Organ Donor Expenses | Covered up to sum insured | Covered up to sum insured | Up to 50% of the base sum insured, maximum Rs.5 lakh |
| Emergency Ambulance | upto ₹ 3,000 per hospitalisation | upto ₹ 5,000 per hospitalisation | Up to Rs.1,500/- for 3 lakh, 6 lakh, 9 lakh Up to Rs.3,000/- for 12 lakh, 15 lakh and 18 lakh (road ambulance) |
| Dental Treatment | - | 10,000 (OPD Dental) | Not covered |
| Ayush Benefit | Covered Upto Sum Insured | Covered Upto Sum Insured | Not covered |
| Maternity Benefits | Not covered | Up to Rs.50,000/- (Rs.60,000/- in case of girl child) per policy. Waiting period 4 years. | Not covered |
| New Born baby cover | Not covered | If a claim is admitted under the maternity benefit, then the company covers for medical expenses incurred on the treatment of new born baby up to Rs.10,000/- for complications related to delivery. | Not covered |
| Daily Cash for Accompanying an Insured Child | If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. | If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. | Not covered |
| Vaccination (In case of post bite treatment) | 5000 | Up to Sum Insured | Not covered |
| Health Check-up | 1% of Sum Insured subject to 3 claims free years upto ₹10,000 | 1% of Sum Insured every year upto ₹10,000 | Not covered |
| Hospital daily allowance | If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. | If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. | Not covered |
| Pre-existing diseases coverage | Pre-existing diseases covered after 3 years of continuous coverage. | Pre-existing diseases covered after 3 years of continuous coverage. | Covered after a waiting period of 3 years |
| Restore benefit | Not applicable | Not applicable | One Re-instatement upto 100% of base Sum Insured, subject to submit of 20% for related illness/injury |
| General waiting period | 30 days | 30 days | Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one. |
| Renewal Benefit / Cumulative Bonus | 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. | 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. | 33% (i.e 1/3rd) increase in Base Sum Insured for every claim free year, max up to 100% |
| Co-pay | Optional | No co-pay | 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy.) |
| Claims loading | Not applicable | Not applicable | Not applicable |
| Portablity | Yes | Yes | Yes (45 days before the renewal) |
| Tax benefits limit | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
| Value Added Services | Not applicable | Not applicable | Wellness : Fabulous discounts and deals on a variety of health and lifestyle products and services. Insurance Renewal: For sum insured Rs.12 Lakhs & above, one time auto extension of policy in case of covered critical illness Accidental Death Cover for No Claim Renewal: Rs.1 Lakh Personal Accident Death cover for insured Policy Service Guarantee: Even after receiving all completed documents, if there is a delay of more than 10 working days from the company in issuing your policy (new policy). Then the company pays you onetime additional sum insured of Rs 10,000/- for sum insured Rs.3 lakh, 6 lakh, 9 lakhs and Rs 20,000/- for sum insured 12 lakh, 15 lakh, 18 lakh. Claim Service Guarantee: 1. Cashless claims - On receipt of required information / documents, If the company is unable to respond within 6 business hours, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount 2. Reimbursement Claims - On receipt of required information / documents, If the company is unable to respond within 21 days, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount |
Plan benefits |
TATA AIG health insuranceHospitals Buy online |
Reliance Healthgain insuranceHospitals Buy online |
|
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