Comparison of Various Product of Individual Health Insurance Companies in India

Individual Health Insurance Comparative -...
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Comparison of various product of individual health insurance companies in india

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Comparison of various product of individual health insurance companies in india

  1. 1. Comparison of Various Product of Individual Health Insurance Companies in India Individual Health Insurance Comparative - Age 34, Sum Insured Rs. 5 Lakhs Companies/ Apollo Bajaj Chola- ICICI Reliance Royal Star United Max Bupa National Oriental Parameters Munich Allianz Mandlam Lombard General Sundram Health India Sum Insured 500,00 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 (Individual) 0 Easy Family Reliance Health Chola Floater Heart beat Mediclai Health Individua Health Health Health Health Gold m Wise Medi Name of Policy l Health Insurance Insuranc Shield Guard Health Insurance Policy Classic Insurance (Individu e Plan A Standard Plan Policy (Silver - al Health) Individua Plan) Standard l Premium(includin 5,625 6,790 5,736 NA 8,111 5,965 5,680 7,693 6,871 5,405 5,682 g service tax) Renewal upto No Limit 75 70 70 No limit 80 80 60 70 80 what age 90 days, (All medical & Cooling Off accidental 30 30 30 30 30 30 30 30 30 Period (days) emergencie s are covered form day 1) Refer to Refer to Refer to Refer to Refer to Refer to Refer to Specified the Refer to the Refer to the the the the the Up to 90 diseases excluded policy the policy policy the policy policy policy policy policy policy days for (yr) documen document documen document documen documen documen documen document t t t t t t Pre-existing upto upto 2 diseases (cover 3 yrs 2 yrs 4 yrs 4 yrs Upto 4 yrs 4 yrs 2 yrs 5 yrs 4yrs yrs after yr) Cashless facility & Network of Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes hospitals Covered upto SI in Rs. 750 Ambulance Upto Rs. limit Rs. Network limit Rs. per Covered Covered 1% of SI 1% of SI Rs. 750 Charges 2000 1000/- hospitals. 1000/- hospitali Max Limit -sation of Rs. 2000
  2. 2. in case of Out of network hospitals Single Room & Private Boarding No Limit 1% of SI 1% of SI 1% of SI 1% of SI 1% of SI 1% of SI 1% of SI 2% of SI Room Expenses (No Limit) Accidental Cover Covered Covered Covered Covered Covered Covered Covered Covered Covered Covered Vouchers No Claim for 10% of Bonus/Cumulativ 10% 5% 5% NA 5% NA NA 15% NA renewal e Bonus premium Discount (if 2 or 5% for 2 more persons take person individual policy NA 10% 10% for 3 NA NA 10% 10% NA 10% 10% from same or more family) person Renewal NA NA NA 5% NA NA NA 5% NA 5% Discount Free Health upto Rs. Annual Covered Covered Upto 1% Covered Covered Covered Covered Covered Checkup 1000/- (No Limit) 1% of SI 1% of SI Pre- up to 30 upto 30 hospitalization 30 60 60 30 30 30 60 30 days days (days) lump- sum of Post- Rs. 7% hospitalization 60 90 90 60 60 days 60 60 90 60 of (days) hospitali -sation expenses Note : Updated on April,2010 (Premium - Including Service Tax 10.30% NA = Not Available NM = Not Mentioned Max Bupa Premium Rates : Region National Capital & Bengaluru For more information/clarification : Pls refer to the policy documents.

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