Age 33, Sum Insured Rs. 5 Lakhs
Companies / Parameters
|
Star Health
|
Cholamandlam MS
|
Apollo DKV
|
Sum Insured (Individual)
|
500,000
|
500,000
|
500,000
|
Name of Policy
|
Medi Classic
|
Chola Health Insurance (Individual Health)
|
Easy Health Individual Health Insurance
|
Premium (including service tax)
|
5,506
|
5,843
|
5,730
|
Renewal upto what age
|
80
|
70
|
NR
|
Cooling Off Period (days)
|
30
|
30
|
30
|
Specified diseases excluded for (yr)
|
Refer to the policy documents
|
Refer to the policy documents
|
Refer to the policy documents
|
Pre-existing diseases (cover after yr)
|
upto 2 yrs
|
4 yrs
|
3 yrs
|
Cashless facility & Network of hospitals
|
Yes
|
Yes
|
Yes
|
Ambulance Charges
|
Rs. 750 per hospitalisation
|
Covered
|
Upto Rs. 2000
|
Room & Boarding Expenses
|
2% of SI
|
1% of SI
|
1% of SI
|
Accidental Cover
|
Covered
|
Covered
|
Covered
|
No Claim Bonus / Cumulative Bonus
|
NA
|
5%
|
10%
|
Discount (if 2 or more persons take individual policy from same family)
|
10%
|
5% for 2 person 10% for 3 or more person
|
10%
|
Renewal Discount
|
5%
|
NA
|
NA
|
Free Health Checkup
|
Covered
|
Covered
|
Upto 1%
|
Pre-hospitalization (days)
|
upto 30 days
|
60
|
30
|
Post-hospitalization (days)
|
lump-sum of Rs. 7% of hospitalisation expenses
|
90
|
60
|
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