17549

Comparison

Plan Name Coverage of Existing Disease Pre Hospitalization Expenses Coverage Period Post Hospitalization Expenses Cashless Renewal Discount Domiciliary Treatment Coverage Exclusion Claim Filing Time Pre-mandatory Medicals Cost of Health Checkup Cancellation Of Policy Income tax benefit
Pre-existing diseases are covered from 5th year onwards.Pre-hospitalization: Through this the insured is eligible for lump sum amount equivalent to 1% of admissible claim amount towards pre-hospitalization expenses. Post-hospitalization: Through this the Insured is eligible for lump sum amount equivalent to 1% of admissible claim amount towards post-hospitalization expenses. YesLoyalty Discount of 5% on the renewal premium of the Insure Health Policy can be availed at the time of renewal, as a cross selling credit to buy any other Apollo Munich product within 365 days from the renewal date.Covereddata not availableAny treatment within the first 30 days of cover except for accidental injuries. Pre-existing conditions will not be covered until 48 months of continuous coverage have elapsed since inception of the first Insure Health Policy with Us. Abuse of intoxicant or hallucinogenic substances like drug and alcohol. Expenses arising from HIV or AIDS and related diseases. Hospitalisation due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind. Experimental, investigative and unproven treatment devices and pharmacological regimens.data not availabledata not availabledata not availabledata not availablePremium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
After 4 continuous policy years. Covered for medical expenses incurred 60 days prior to hospitalization. Covered for medical expenses incurred up to 90 days after hospitalization. YesCumulative bonus of 5% to your sum assured for every claim free yearNoHealth Guard policy takes care of your hospitalization expenses & also offers a wide coverage of pre & post hospitalization expenses. Any disease contracted during the first 30 days of commencement of the policy. Hernia, gastric, all types of sinuses, stones in urinary and biliary systems, surgery of skin ailment, all internal or external tumors, tonsils, in the initial 2 years of insurance policy. TPA need to be informed within 14 days of discharge from nursing home/ hospital. No tests required for Sum Insured up to Rs.10 lakhs and age upto 45 Health Check up in designated Bajaj Allianz Diagnostic Centres or reimbursement up to Rs.1000/-at the end of continuous four claims free years. The company may terminate the policy giving a 15 days notice in writing to the last known address of the insured. Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
After 4 continuous policy years. Data not availableData not availableYesYou get a 5% discount on the renewal premium for every claim free year up to a maximum of 25%CoveredHospitalization expenses Domiciliary hospitalization Day care treatment Pre and post-hospitalization expenses Pre-existing diseases - all diseases / illness /injuries including symptoms or conditions existing when the policy cover comes into force for the first time, after four continuous renewals with us Critical illness - cancer, first heart attack, coronary artery disease, coronary artery bypass surgery, heart valve surgery, surgery to aorta, stroke, kidney failure, aplastic anaemia, end stage lung disease, end stage liver failure, coma, major burns, major organ / bone marrow transplantation, multiple sclerosis, fulminant hepatitis, motor neuron disease, primary pulmonary hypertension, terminal illness, bacterial meningitis. Please refer to policy for complete terms and conditions Dread disease recuperation Transplantation of organs Hospital cash allowance Home nursing Ambulance charges In-patient physiotherapy charges Recovery grant Accompanying person?s expenses Parent accommodation as companion for child Out-patient dental emergency treatment(arising out of accident only)Pre-existing diseases - All diseases /illnesses / injuries including symptoms or conditions existing when the policy cover comes into force for the first time. This policy shall cover pre-existing diseases, illnesses or injuries after four continuous renewals with us Pregnancy and childbirth related complications Suicide, self-inflicted injury or illness, mental disorder, anxiety, stress or depression, use of alcohol or drugs Diseases such as HIV or AIDS Cost of spectacles, contact lenses and hearing aids Dental treatment or surgery of any kind unless requiring hospitalization Experimental or unproven treatment Treatment by a family member, self medication or any treatment that is not scientifically approved Disease that commences during the first 30 days of inception of the first policy (60 days in case of critical illness benefit)Data not availableAny person aged 46 years and above or anyone with a history of pre-existing condition / disease must undergo medical tests and submit the relevant test documents.For every block of four claim-free years of your policy with us, 1% of the sum insured will be provided towards the cost of the health check-upData not availableIncome tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
No Covered for medical expenses incurred 60 days prior to hospitalization Covered for medical expenses incurred up to 90 days after hospitalization. Yes5% on every claim-free renewal. This can be accumulated up to a maximum of 50%. No Cash free hospitalization. Pre - hospitalization and Post - hospitalisation stages of treatment. Any disease contracted during the first 30 days of inception of the first policy. Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, in the first year of insurance. TPA need to be informed within 30 days of completion of any treatment. After 45 years of age. Data Not Available The insurer can give a 30 days written notice to the insured. The insured can cancel the policy by giving a 7 days written notice. Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
After 4 continuous policy years. Covered for medical expenses incurred 60 days prior to hospitalisation Covered for medical expenses incurred upto 90 days after hospitalisation. Yes5% increase in Sum Insured for every claim free year; upto Maximum 50% Yes Benefits Under the Policy: - The scale of benefits payable are:Hospital Room Expenses, Specialist Fees, In- Hospital Medical Treatment, In- Hospital Medical Treatment, Ambulance Charges, Organ Donor Hospitalization, Hospital Cash.Any disease contracted during the first 30 days of inception of the first policy. Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, in the first year of insurance. TPA need to be informed within 7 days of discharge from nursing home/ hospital. Required after 45 years. Pays Upto 1% of Sum Insured; Max Rs. 5000 Data not availableIncome tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
After 4 continuous policy years. Covered for medical expenses incurred 30 days prior to hospitalization Covered for medical expenses incurred upto 60 days after hospitalisation. Yes, in 3500 network hospitals across the countryAn additional sum insured of 5% is provided on renewal, provided it has been a claim free year.Sum insured can be increased on renewal, subject to underwriters' approvalNot covered. But certain day care expenses are covered. In Health Advantage Plus, OPD expenses are also coveredNo sub-limits on room rent, doctor fees, and hospital charges or for any disease.No co-payments for any disease or any Hospitalisation expenses. Swine Flu hospitalisation also covered. No co-payments, i.e you dont have to share any % of the claim. Terrorist activities covered. Room, boarding expenses as provided by the hospital, Nursing Expenses, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and Organs and similar expenses. Any disease or illness contracted within 30 days of taking the policy. Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Hernia, Hydrocele Fistula in Anus, Piles Arthritis, Gout, Rheumatism, Joint replacement, unless due to accident, Sinusitis and related disorders, Stone in the urinary and biliary systems, Dilatation & Curettage ,Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids, Dialysis required for chronic renal failure, Surgery on tonsils, adenoids and sinuses, Gastric and duodenal ulcers. HIVTPA need to be informed within 45 days of completion of any treatment. Up to 55 not needed. Any one member within the plan can avail of the free health check up. The free health check up coupon is valid for 365 days from the date of policy issuance. 7 days notice in writing by Registered post/Acknowledgement Due post to the Insured at his last known address. Premium paid towards this policy will be exempted under section 80 D
No Covered for medical expenses incurred 60 days prior to hospitalisation Covered for medical expenses incurred upto 90 days after hospitalisation. Yes5% on every claim-free renewal. This can be accumulated up to a maximum of 50%. No Cash free hospitalisation. Pre - Hospitalisation and Post - Hospitalisation stages of treatment. Any disease contracted during the first 30 days of inception of the first policy. Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, in the first year of insurance. TPA need to be informed within 30 days of completion of any treatment. After 45 years of age. Data Not Available The insurer can give a 30 days written notice to the insured. The insured can cancel the policy by giving a 7 days written notice. Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
After 4 continuous policy years. Covered for medical expenses incurred 30 days prior to hospitalisation Covered for medical expenses incurred upto 60 days after hospitalisation. Cashless facility (in more than 3000 hospital across the country)The Limits under this Policy shall be progressively increased by slabs of 5% each of the Sum Insured in respect of each claim-free year of insurance with Us, subject to a maximum accumulation of 10 slabs of cumulative bonus.Data not available Room, Boarding Expenses as provided by the Hospital/Nursing Home subject to a limit of 1.5% of the Sum Insured per day and for Intensive Care Unit 3% of the Sum Insured per day. 2. Nursing Expenses incurred during In-Patient hospitalization. 3. Surgeon, Anaesthetist, Medical Practitioner, Consultants & Specialist Fees are subject to a limit of 40% of the Sum Insured. 4. Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy Radiotherapy, Donors medical expenses towards Organ transplant, Cost of Pacemaker, Artificial Limbs, Cost of Organs. 5. Pre-Hospitalisation and Post-Hospitalisation expenses when the claim for hospitalization is admitted under the policy. 6. Hospital Cash Allowance, a lump sum of 2% of the Sum insured per claim, in case of continuous hospitalization for a period of more than 15 days. 7. Ambulance charges in an emergency, subject to a limit of Rs.1000/- per claim 8. Reimbursement of expenses, subject to a maximum of Rs.750/- per Insured Person, towards Master Health Check up for the Insured Person, after each 5 consecutive claim free years.Any disease contracted during the first 30 days of commencement of policy, pregnancy, circumcision unless treatment, cost of spectacle, contact lenses, hearing aids, dental treatment, AIDS, Injury/disease directly or indirectly caused by or arising from invasion, act of foreign enemy, war like operation, njury/disease arising from nuclear weapon/materials, sex change treatment TPA need to be informed within 90 days of discharge from nursing home/ hospital. Data not available Reimbursement of Healthcheck up cost upto Rs.750 per insured person after 5 claim free years of insurance14 days notice by registered letter at the insured last known address The premium is eligible to get exemption from income tax under section 80D subject to the relevant provisions of the Income Tax Act 1961.
After 4 continuous policy years. Covered for medical expenses incurred 30 days prior to hospitalisation. Covered for medical expenses incurred upto 60 days after hospitalisation. trueUp to 10%CoveredSurgical operations, including pre-and post-operative care,Nursing care, drugs and surgical dressings,Doctor's fees,Operation theatre charges and intensive care,Pathology, x-rays, diagnostic tests and therapies,Prosthetic implants,All day care procedures,Hospital accomodation.Addictive conditions and disorders; ageing and puberty; artificial life maintenance; congenital conditions; cosmetic surgery; dental/oral treatment; eyesight; experimental treatment; HIV and AIDS; hereditary conditions; non-allopathic treatment; obesity; neurological and psychiatric conditions; self-inflicted injuries; sleep disorders; speech disorders; treatment for developmental problems; treatment received outside India; unrecognized physician or facility. Within 15 days of discharge from hospitalOn case to case basis-depends on age, BMI, sum insured etcCost of checkup is borne by Max Bupa for customers15 day freelook periodYou can Save on tax by availing tax benefit under Section 80D of the Indian Income Tax Act 1961.
After 4 continuous policy years. Covered for medical expenses incurred 30 days prior to hospitalisation Covered for 7% of the hospitalization expenses, subject to a maximum of Rs.5000/- Yes, 4000 network hospitals Discount ranging from 5% - 25% for every claim free year (not available in Family Plan) Not covered Hospitalisation Cover : In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of sum insured, subject to a maximum of Rs.4000/- per day, Nursing expenses, Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs, Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period. Expenses for the treatment of any illness/disease/condition,which is pre-existing, Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of this policy, First Two Years Exclusions: Cataract,Hysterectomy for Menorrhagia or Fibromyoma,Replacement surgery for knee and/or joint(other than caused by an accident),Prolapse of intervertibral disc (other than caused by accident), Varicose Veins and Varicose Ulcers, FirstYearExclusions:Benign Prostate Hypertrophy,Hernia,Hydrocele,Fistula in anus,Piles,Sinusitis and related disorders,Congenital internal disease/defect,removal of gallstones and renal stone, Naturopathy treatment, Expenses which are purely diagnostic in nature with no positive existence of any disease, Treatment of Cogential external disease/defects/anomalies,Expenses which are mainly cosmetic in nature. In case of planned hospitalization, please inform 24 hours prior to admission into the hospital In case of emergency hospitalization, information to be given within 24 hours after hospitalization Data not available Data not available Data not available Premium paid by cheque or credit card for this insurance is eligible for relief under Section 80D of the Income Tax Act.

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