PARTICULARS

Premium Payable
Grading acc. To benefits
Grading acc. To claim settlement ratio

In-patient benefit
Day care procedures
Organ donor
Domiciliary treatment(home based tretement)
Restore benefit
AYUSH benefit
Ambulance cover
Air Ambulance
Health Check-up
Compassionate travel
Consumables benefit
Global cover
Bariatric surgery
In-patient dental treatment
Second opinion
Vaccination cover
Hearing aid
Daily cash for shared accommodation
Daily cash for accompanying an insured child
Cumulative Bonus
Pre and Post Hospitalisation
Home Health Care
Recovery Benefit
Claim Settlement Ratio

Ages for Premium Calculation:

Husabnd : 50 years Wife : 49 years
Child 1 : 23 years
Child 2 : 18 years
 HEALTH INSURANCE PL
ICICI Health

Rs.34525.62
E
C

I Health
No Capping(Except Suite)
150+ Day Care procedures
NA
NA
Upto 100%(Except same pereson same disease)

Reimbursement of expenses for Alternative treatment

Upto 1500
NA
After 1 claimm free year
NA
NA
NA
NA

Only in case of Accident

NA
NA (Except post animal bite)
NA
NA
 NA

10% upto Maximum of 50% for 1 claim free year

30 & 60 days
NA

NA

92%
HEALTH INSURANCE PLAN COMPARISION
HDFC my : health suraksha

Rs.32005.14
B
A

my : health suraksha
No Capping,Mental health included(Except Suite)

586 Day Care Procedures

Covered up to S.I
Covered up to S.I

Upto 100%
Covered up to S.I.
Covered (2000-15000)
Covered(2 lac-5 lac)
After 4 claim free policy years
NA
NA
NA
NA

Outpatient available after 3 consecutive years(50% of expenses)

NA
NA
NA
NA
 NA
10% upto 100%
Patinum Smart:25% upto 200%

60 & 180 days

Available(Acc. To P.W.)
Lump sum of 5000 will be paid after 10 days of hospitalisation.

97%
COMPARISION
Appolo Optima Restore TATA Medicare
Medicare

Rs.32235.00 Rs.36265.00
C A
C D

Optima Restore TATA Medicare

No Capping No Capping(Except suit)

144 Day Care Procedures 540+Day Care procedures

Covered up to S.I Covered up to S.I
Covered up to S.I Covered up to S.I
Upto 100% Upto 100% (Except same person same disease)
NA Upto S.I
Upto 2000 Upto 3000
NA NA
After 2 claim free years Ater 2 claim free years(Lower of 1% of S.I or 10000)
NA Upto 20000
NA Upto S.I
NA Available
NA Upto S.I

NA Upto S.I.

NA Anytime form TATA Doctor

NA (Except post bite) HPV, Hepatetis B, Anti-rabies and typhoid vacc.
NA 10000/- Every third Year
800-1000/day .25% or 2000/- Whichever is Lower
 NA (.25% or 2000/- Whichever is Lower

50% upto maximum of 100% 50% upto Maximum of 100%

60 & 180 days 60 & 90 days

NA NA

NA NA

92% 69.96%
 TATA Medicare Max Bupa Health
Medicare Premier Health Companion

Rs.44991.00 Rs.31427.00
A D
D B

TATA Medicare Helth Pulse Enhanced

No Capping(Except suit) Single Pvt. Room
540+Day Care procedures 500+ Day Care Procedures
Covered up to S.I Covered up to S.I
Covered up to S.I Covered up to S.I
pto 100% (Except same person same disease) Upto 150% of base S.I.
Upto S.I Covered up to S.I
Upto 3000 Upto 2000
NA NA
2 claim free years(Lower of 1% of S.I or 10000) Anually from 2nd policy onwards
Upto 20000 NA
Upto S.I NA
Available NA
Upto S.I NA

Upto S.I. NA

Anytime form TATA Doctor NA

V, Hepatetis B, Anti-rabies and typhoid vacc. NA
10000/- Every third Year NA
.25% or 2000/- Whichever is Lower NA
(.25% or 2000/- Whichever is Lower NA

50% upto Maximum of 100% 20% to 200% for every claim free year. Not decrease on claim.*

60 & 90 days 30 & 60 days

NA NA

NA NA

69.96% 96%
 Max Bupa Health
Helth Pulse Enhanced

Rs.34536.00
D
B

Helth Pulse Enhanced

Single Pvt. Room

500+ Day Care Procedures
Covered up to S.I
Covered up to S.I
Upto 150% of base S.I.
Covered up to S.I
Upto 2000
NA
Anually from 2nd policy onwards
NA
NA
NA
NA

NA

NA
NA
NA
NA
 NA

for every claim free year. Not decrease on claim.*

30 & 60 days
NA

NA

96%