S.

No Feature Medi Classic Family Health Optima Comprehensive Senior Citizen Red Carpet
1 Entry Age - Adult 18-65 years 18-65 years 18-65 years 60-75 years
2 Entry Age - Chid 5 months - 25 Yrs 16 day - 25 Yrs 3 months - 25 Yrs Not available
3 Floater Availability Floater and Individual Only Floater - No individual Floater and Individual Floater and Individual
4 Sum Insured Options 3/4/5/10/15 Lac 3/4/5/10/15/20/25 Lac 5/7.5/10/15/20/25 Lac 3/4/5/7.5/10/15/20/25 Lac
5 Pre hospitalisation days covered 30 days - Actual 60 days - Actual 30 days - Actual 30 days - Actual
60 days - 7% of (Claim - Room Rent),
60 days - 7% of (Claim - Room Rent), Max Max Rs. 5000 upto 7.5 Lac SI;
6 Post hospitalisation days covered 90 days - Actual 60 days - Actual
5000 Max Rs. 7000 for SI 10 Lac & 15 Lac ;
Max Rs. 10000 for SI 20 & 25 Lac
Rs. 5 lac - Rs. 2,000/- Rs.3 - 4 lac - Rs. 600/- per Hosp
Rs. 7.5 lac - Rs. 3,000/- 1200/- per policy yr
Rs. 750/- per hospitalization up to a
Rs. 750/- per hospitalization up to a Rs. 10 lac - Rs. 3,500/- Rs.5 - 10 lac - Rs. 1,000/- per Hosp.
7 Road Ambulance Limits maximum of Rs. 1,500/- per policy
maximum of Rs. 1,500/- per policy period Rs. 15 lac - Rs. 4,000/- Rs.2,000/-per policy yr
period
Rs. 20 lac - Rs. 4,500/- Rs. 15 - 25 lac - Rs. 1,500/- per Hosp.
Rs. 25 lac - Rs. 5,000/- Rs.3.000/- per policy yr
The limit per policy period is 10% of The limit per policy period is 10% of
the Sum Insured. However, the Sum Insured. However,
8 Air Ambulance Limits Not available Not available
this is not available for Sum Insured this is not available for Sum Insured
option of Rs 3 & 4 Lakhs. option of Rs 5 Lakhs.
3 - 5 Lac 1% SI
3 & 4 Lac SI - 5000/-;
7.5 & 10 Lac 6000/-
9 Room Rent Limits 2% SI - Max 5000/- 5, 10, 15,20 & 25 Lac SI - Single Single Standard AC room
15 Lac 7000, 20 Lac 8500, 25 Lac
Standandard A/C
10000
3 - 10 Lac 2% SI per Day
10 ICU Limits Actuals Actuals Actuals
15 - 25 Lac Actuals
11 Doctor fees limit Actuals Actuals Actuals 25% SI
12 Other Medical Expenses Limit Actuals Actuals Actuals 50% SI
13 Number of Day Care Procedures Covered 101 ALL 405 ALL
3L - 25000/35000 3L - 18000, 4L - 20000, 5 L -21500
1.5/2L-12000/12000
Cataract Sublimit - SI/Per Episode/Per Policy 4L - 30000/45000 7.5L - 23000, 10L - 25000 / 45000, 15L -
14 3/4/5L - 20000/30000 No Sublimit
yr 5L - 40000/60000 30000 /50000, 20L - 35000 / 60000,
10/15 L- 30000/40000
10L & Above - 50000/75000 25L - 40000 / 70000,
15 Domiciliary Hospitalisation - >3days Not available Available Available Not available
3L - 75000
16 Recharge availabiity Not available Not available Not available
4L -100000, 5L and above- 150000
17 Restoration Availability 200% 100% x 3 = 300% 100% Not available

25% I yr; 10% every next yr; Max 50% I yr; 50% II yr; max 100% - 5 L
18 No Claim Bonus 5% P.a. Max 25% Not available
100% 100% I yr; Max 100% -7.5 L&above
Every Claim free year
Every Claim free year 5L-5000; 7.5/10L-7500; 15/20/25L-
1% SI - Max5000; for average SI of 4 5 & 7.5 L - 1000,
19 Health Check up limits 3L-750, 4L-1000, 5L-1500, 10L-2000, 12500 After 3 contiunous Claim free
contiunous Claim free Years 10 & 15 L - 2000 / 35000
15L-2500, 20L-3000, 25L-3500 Years
20 & 25 L - 2500 / 4500
Opthalmic and Dental Treatment- 5/7.5L - 5000; 10/15/20/25L - 10000 -
21 Not available Not Available Not available
Cavities,RCT,Gingivitis,lense,Specs every (Claim/Claimfree)block of 3 yrs

Rs. 200/consultaion,3L-600;4L-800; 5L-

Rs. 300/consultaion 5L-1200; 7.5-
Out patient consultaion Limits - At Network 1000; 7.5L-1200; 10L-1400 /2400,
22 Not available Not Available 1500; 10L-2100; 15L-2400; 20L-3000;
Hospitals 15L - 1800/3000, 20L - 2200/3800,
25L-3300
25L - 2600/4400
23 Non Allopathic Treatment Rs. 25000/- AYUSH Rs 20000 / Ayush Not available Not available
Bariatric Treatment@Network hospital on Max 2.5 Lac after 3 years waiting
24 Not Available Not Available Not Available
Cashless when Traditional methods failed
PA Cover = Health SI;
25 Free PA Cover Not Available Not Available Not Available
(Death+Permanent Disability)
26 Free Second Opinion Not Available NotAvable Available Not Available
SL/Normal/Caesarian
Husband+wife covered in floater -
27 Maternity Benefit - Not Available Not Available 3years watiting5L-10000/15000; Not Available
7.5L-20000/40000;
10/15/20/25L-25000/40000
New Born Baby Cover-SI/Baby SI Limit 5L-Rs.50000
10% SI - Max 50000 - from Day 16 to
28 Husband+wife covered in floater - 3years Not available Vaccination - Rs. 1000 Not available
End of Policy Term
watiting 7.5/10/15/20/25L-Rs. 100000
29 Organ Donor Coverage Not available Available Not available Not available

Cash benefit of Rs. 1000/- for each and every Hospitalisation subject to a maximum
completed day of Hospitalisation subject to a of 7 days per occurrence and 120 days
maximum of 7 days per occurrence and 14 per policy period.
3 - 15 lacs - 800 / Day
30 Hospital Cash Benefit days per policy period. 5 lacs - 500 Not Available
20 lacs & 25 lacs - 1,000
Date of admission and date of discharge will 7.5 lacs & 10 lacs - 750
not be taken into account for the benefit. 15 lacs & 20 lacs - 1,000
(available as Rider) 25 lacs - 1,500

Applicable for persons aged above 60 yrs. Rs.

400/- per day for a max. of 5 days per
31 Patient Care Benefit occurrence subject to max. of 14 days per Not Available Not Available Not Available
policy period. Benefit not payable for first
day.
30% Non-PED Claim, 50% for PED up
32 Copay 10% for Age at Entry 61-65 years 20% for Age at Entry 61-65 years 10% for Age at Entry 61-65 years
to 10 L, 30% for PED above 10L
33 Package Treatment 80% 100% 100% 100%