This comparison chart show all additional benefits and future family floater policy revised ( family health optima )plan

1. TERMS / FEATURES
FHO
REVISED-FHO
TYPE
FLOATER (2A+3C)
FLOATER (2A+3C)
ZONE
1 & 2
1, 2 & 3
SUM INSURED
Rs.2, 3, 4, 5, 10, 15 Lacs
Rs.2, 3, 4, 5, 10, 15 Lacs
AGE ENTRY
5M - 65YRS
16 Days to 65 yrs
POLICY PERIOD
1 YR
1 YR
PRE-MEDICAL TEST
ABOVE 50 YEARS
ABOVE 50 YEARS
ROOM RENT
TO BE EXPLAINED
TO BE EXPLAINED (No Change For Zone 2 & 3)
PRE HOSPITALIZATION
30 DAYS - At actual
60 DAYS - At actual
POST HOSPITALIZATION
60 DAYS - 7% MAX 5000
90 DAYS - At actual
AMBULANCE
Rs.750/Max 1500
Rs.750/Max 1500
DAY CARE
101 PROCEDURES
405 PROCEDURES
CATARACT
BASED ON SI
BASED ON SI
CO-PAY
20% FOR 61-65 YRS
20% FOR 61-65 YRS
AUTO RESTORATION
100%
100%
NO CLAIM BONUS
25 + 10, Max 35%
25 + 10, Max 35%
HEALTH CHECK
NA
FOR 3 LACS & ABOVE. 1% OF SI OR MAX 5K, IRRESPECTIVE OF CLAIMS CONDITION
AUTO RECHARGE
NA
UPTO 30 % FOR SI 3/4/5 LACS
DOMICILIARY EXPENSES
NA
WHO NEEDS CARE FROM HOME ALSO COVERED **
NEW BORN BABY COVER
NA
COVER FROM 16TH DAY - 10% OF SI OR MAX 50K
DONOR EXPENSES FOR MAJOR ORGAN TRANSPLANT
NA
10% OF SI OR 1 LAC
WAITING PERIOD
30 DAYS For Illness
30 DAYS For Illness
P.E.D (WAITING)
48 MONTHS
48 MONTHS
EXCLUSIONS
1 & 2 YRS
2 YRS
REVISED FHO BENEFITS AND COMPARISION FOR NEW AND OLD PLANS NANDAGOPAL.S.V SALES MANAGER COIMBATORE 9994910202

2. TERMS / FEATURES
FHO
REVISED-FHO
REVISED FHO BENEFITS AND COMPARISION FOR NEW AND OLD PLANS NANDAGOPAL.S.V SALES MANAGER COIMBATORE 9994910202
AUTO RECHARGE
UPTO 30 % FOR SI 3/4/5 LACS
PRE HOSPITALIZATION
60 DAYS (ACTUAL)
POST HOSPITALIZATION
90 DAYS (ACTUAL)
DAY CARE PROCEDURES
405
HEALTH CHECKUP
FOR 3 LACS & ABOVE. 1% OF SI OR MAX 5K, IRRESPECTIVE OF CLAIMS CONDITION
NEW BORN BABY COVER
COVER FROM 16TH DAY - 10% OF SI OR MAX 50K
DOMICILIARY EXPENSES
EXCEEDING 3 DAYS (Does not cover certain minor medical conditions)
DONOR EXPENSES FOR MAJOR ORGAN TRANSPLANT
10% OF SI OR 1 LAC
SPECIAL AND REVISED BENEFITS