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insurance Royal insurance United India Insurance HDFC Ergo Star Future Generali bharti axa Apollo munich Apollo munich Apollo munich Apollo munich Apollo munich Reliance Genearal insurance BAJAJ Allanz BAJAJ Allanz IFFCO - TOKIO UNITED INDIA INSURANCE STAR STAR Apollo Munich Max Bupa Max Bupa STAR Source www.fpindia.in INDIVDUAL BAJAJ Allanz BAJAJ Allanz IFFCO - TOKIO UNITED INDIA INSURANCE STAR Name of plan Family protect premier Personal Plan Mediclaim 2007 Healthwise Family Good Health Platinum Health Suraksha Health Gain Health Suraksha Comprehensive Health Easy Health Standard Easy Health Exclusive Easy Health Premium Maxima Optima Restore Life Care For You Individual Health Guard Health Ensure Individual Medishield Gold Unique Health Mediclassic Insure Health Heatbeat Individual Health Companion Star Net Pus
Indivdual Health Guard HEALTH INSURE Indivdual MEDI SHIELD GOLD UNIQUE HEALTH
STAR Apollo Munich MAX BHUPA MAX BHUPA STAR Source www.fpindia.in Senior citizen
MEDI CLASSIC INSURE HEALTH HEART BEAT INDIVIDUAL HEALTH COMPANIAN NET PLUS
NATIONAL PRODUCT NAME VARISHTHA MIN. AGE ELDEST MEMBER 61 YRS MAX.AGE OF ELDEST MEMBER 80 YRS SUM INSURED 1 LAKH -HEALTH AND 2 LAKH -CRITICAL PRE MEDICAL TEST YES ROOM RENT PER DAY 1% ICU RENT 2% WAITING PERIOD ( DAYS ) 30 WAITING PERIOD FOR ACCIDENTAL ( DAYS ) ZERO WAITING PERIOD FOR SOME ILLNESSES 1 YR WAITING PERIOD for pre existing 1 YR CO PAY ON ADMISSION FOR COVERED PRE- EXISTING@10% COPAY FOR ALL 20% COPAY SUB LIMIT ON TREATMENT YES LOADING ON CLAIM BONUCE WILL REDUCE BY 10% RENEWL lifetime
Premium ( in Rs\ Life Cover Cashless Facility 5530 (s) Rs 4 Lakh No Yes 6076 No Yes Not Avilable No Yes 7837 No Yes 7118 No Yes 4893 No Yes 7254 No Yes 14725(for 2 Adults ) No Yes 7805 (2 Adults ) No Yes 5750 No Yes 6017 No Yes 7551 No Yes 9277 No Yes Not Avilable No Yes 6207 No Yes 6850 No Yes 6156 No Yes 1267 (sl of Rs. 1 lakh ) No Yes 5167 No Yes 6158( for adults 36 Yrs ) No Yes 15606 (sl Rs. 3 Lakh ) No Yes 5506 No Yes Not Available No Yes 7453 No Yes 5191 No Yes 650 ( for sl Rs. 50,000) No Yes
NO NO NO NO NO
NO NO NO NO NO
BAJAJ
STAR
MAX BHUPA
SILVER RED CARPET HEART BEAT 46 YRS 60 YRS NO LIMIT 70 YRS 69 YRS NO LIMIT 1-5 LAKHS 1-5 LAKHS 1-50 LAKHS YES NO YES NO LIMIT 1% DEPENDING ON PLAN LIMIT NO LIMIT 2% NO LIMIT 30 30 90 ZERO ZERO ZERO 1 YR,4 YRS 1yr,2 yrs 2 yrs 1 YR AFTER 1 YR 50 % FOR CO-PAY2 yrs CO PAY OF 20% FOR30% COPAYHOSPITAL NETWORK FOR CLAIMS OTHER THEN PRE YRS 20@ AFTER 65 CATRACT 60-75%OF SUMINSUREDNO LIMIT LOADING APPLICABLE BUT NOT MENTION 20-50% NO LOADING 75 years lifetime lifetime
Maternity Benefits Ambulance charges No Not Mention No Up to Rs. 1,000 No Yes No Yes No Up to Rs. 1,000 No Not Mention No Yes No Up to Rs. 1, 500 No Up to Rs. 1, 500 No Up to Rs. 2, 500 No Up to Rs. 2000 Yes Up to Rs. 2000 Yes Up to Rs. 2000 Yes Up to Rs. 2000 No Up to Rs. 2000 Yes Up to Rs. 1000 No Up to Rs. 1.000 No Up to Rs. 1.000 No Yes No Not Mention No Up to Rs. 1. 500 Not Mantion Not Mention No Not Mention No Yes Not Mantion Yes No Not Mention
NO NO NO NO NO
ICICI LOMBARD
APOLLO MUNICH
COMPLETE OPTIMA SENIOR NO LIMIT 61 YEARS NO LIMIT NO LIMIT 1-50 LAKHS 2,3,5 LAKHS YES YES NO ROOM RATE LIMIT NO ROOM RATE LIMIT NO LIMIT NO LIMIT 30 30 ZERO ZERO 2 yrs 2 yrs 2 yrs 2 yrs NO COPAY 15% CO-PAY 30%IF YOU OPT FOR PRIVATE ROOM NO LIMIT O PAY OF 30% OF CERTAIN TREATMENT C UPTO 200% NO LOADING lifetime lifetime
pre\post hospitaliz action coverage Critical illness coverWaiting Period yes No 4 years Not Mention No 4 years yes No 4 years yes No 2\4 Years yes No 4 years yes No 4 years Not Mention No 4 years yes No 4 years yes No 4 years yes Yes 5 Years yes No 3 Years yes No 3 Years yes Yes 3 Years yes Yes 4 Years yes No 3 Years yes No 4 Years Yes No 4 Years Yes Yes 2 Years Yes Yes After 3 Years Claim - Free Yes No 4 Years Yes No 11 Month ( CONDITIONAL ) Yes No 4 Years Yes Not Mantion 4 Years Yes No 4 Years Yes No 4 Years Not Mantion No Not Mantion
No 4 Years YES 2 YEARS YES AFTER 3 CLAIM FREE YEARS No 4 Years No 11 MTHS
Renewable up to 70 Years 90 years Not Mention 75 years 70 Years Not Mention 65 years Not Mention Not Mention Life Long Life Long Life Long Life Long Life Long Life Long 75 years 80 Years 70 Years Not Mantion 60 Years 70 Years 80 Years 75 Years Life Long Life Long Not Mantion
Day care coverages No Not Mention Yes Yes Yes No 141 Procedures Yes Yes Yes Yes Yes Yes 140 Procedures 140 Procedures 150 Procedures 130 Procedures 130 Procedures 121 Procedures Yes No Not Mantion 140 Procedures All types All types No
80 YEARS
70 YEARS