Medi Claim

COMPANIES OFFERING MEDICLAIM POLICIES S.
No 1 2 3 4 5 6 7 8 9 Names Individual Standard-- INSANT POLICY (1 yr) Suraksha Silver Paper Policy (1 yr) Individual Basic Cover + Extra Cover (1 yr) Individual (1 yr) Individual-Platinum (1yr) Individual (1 yr) Individual (1 yr) Health Shield standard (1yr) Individual (1 yr) coverage 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000 Premiums 1751 1652 1782 1378 1434 1445 1519 1861 2204
Hospitalisation Expenses Names
Any 1 illness hospitalisation limit
Limits of Liability
Royal Sundaram Health-shield standard (1yr)
1,00,000 hospitalisation For minimum 24 hrs
No
limits of libi.xlsx
Future Generali Health Suraksha Silver (1yr)
1,00,000 25% increase in sum insured to max of 1 lakh if No hospitalisation is due to an accident hospitalisation For minimum 24 hrs
limits of libi.xlsx
1,00,000 hospitalisation For minimum 24 hrs United India Individual Platinum (1yr) No
limits of libi.xlsx
Apollo Munich Individual Standard (1yr)
No
No
yes upto 80% of overall Sum Insured
limits of libi.xlsx
limits of libi.xlsx
1,00,000 hospital Class-C- AC or Non AC beds per room IFFCO-TOKIO Individual with Addl hospitalisation for minimum 24 hrs No Critical illness Extn (1yr) 10% comp pay for hospitalisation in a non network hospital subject being pre authorised
No
IFFCO-TOKIO Individual (1yr)
limits of libi.xlsx
Cholamandlam MS Individual Basic + Extra Cover (1yr)
1,00,000 hospital Class-C- AC or Non AC beds per room hospitalisation for minimum 24 hrs No 10% comp pay for hospitalisation in a non network hospital subject being pre authorised
No
Cholamandlam MS Individual Basic Cover (1yr)
No
limits of libi.xlsx
National Insurance Individual (1yr)
No
limits of libi.xlsx
National Insurance Individual (1yr)
No
limits of libi.xlsx
Oriental Insurance Individual (1yr)
No
limits of libi.xlsx
Daycare Treatment
Max Renewal Age
Domiciliary Hospitalisation
Pre & Post Hospitalisation
Additional Hospitalisation expenses cover for critical illness
Local Road Ambulance Service
Daycaretreatment.xlsx, within the limit of Hospitalisation benefit
70 years
No
30 days/60 days
No
yes upto Rs.1000
70 years
No
30 days/90 days
No
yes 1% of the sum insured policy period subject to a max of Rs.1500
60 years
20000 of Hospitalisation benefit
30 days/60 days
No
No
life time
30 days/60 days 30 days/90 days if Yes No payment for the comp is post hospitalisation intimated about the No if claim for this hospitalisation at benefit is accepted least 5 days in advance
yes upto Rs.2000
70 years
Reasonable and customary charges upto max aggregate sub-limit of 20% of 60 days/60 days the basic sum insured. Part of Hospitalisation benefit
Yes for an additional amount equal to basic cover SI critical illness covered-cancerinvasive malignancy
yes 1% of the sum insured max of Rs.1500
70 years
Yes for an additional amount equal to basic cover SI critical illness covered-cancerinvasive malignancy
Yes within the limit of Hospitalisation benefit
69 years
No
60 days/90 days
No
yes upto Rs.1000
70 years
No
Yes within the limit of Hospitalisation benefit
69 years
No
60 days/90 days
No
yes upto Rs.1000
life time
30 days/60 days
No
life time
No
30 days/60 days
No
life time
No
30 days/60 days
No
life time
30 days/60 days
No
Donor Expenses
Expenses on Accompanying person
Nursing Allowance Hospitalisation Daily Allowance
Cost of Health check up
No
No
No
yes a lump sum of 2% of the SI per claim continuous hospitalisation for a period of more than 15 days
yes upto 750 once at the end of block five continuous claim free policy years
No
yes Rs.500 for each completed day of hospitalisation subject to a maximum of 30 No days applicable for hospitalisation of child whose age is less than 10 years yes provided only while at the hospital nursing home as part of hospitalisation benefit
No
yes the medical check up includes the following test at the diagnostic centre specified by comp physician consultation
No
No
No
yes up to 1% of the amount of average SI for the preceeding three years
yes Actual cost within No overall limit of SI
No
Rs 500 per day upto a max of Rs 3000 for hospitalisation in yes upto 1% of SI every shared forth year accomodation if the hospitalisation exceeds 48 hours
yes part of hospitalisation benefit
yes 1% of average basic SI yes 0.1% of SI to a once at the end of block of max of Rs 250 per 4 continuous claim free day policy years
No
yes optional benefit on the payment of additional premium
No
No
yes optional benefit on the payment of additional premium
No
yes upto a 50% of No basic cover of SI
No
yes 1% of average basic SI once at the end of block of 4 continuous claim free underwriting years only available if the policy is a renewal of National
No
No
No
yes 1% of average basic SI excluding cumulative bonus
No
No
No
yes 1% of average basic SI excluding cumulative bonus
No
yes 1% of average basic SI once at the end of block of 4 continuous claim free underwriting years
Cumulative Bonus
Renewal Discount
Income Tax benefit
Waiver of first 30 1st year days exclusion Exclusion
5% increase in SI per claim free year Up to a No maximum of 50% of basic cover SI
Yes Rs. 15000 for self
For any person below 40 years of age insured should hold an existing health insurance policy
10% increase in SI per claim free year Maximum accumulation of 50% cumulative bonus Applicable from the 6th claim free year
Yes 5% discount on the renewal premium in case no claim is made during the Yes Rs. 15000 expiring policy period for self Applicable for first 5 claim free years
No
Yes 5% discount on the renewal premium in case no claim is made during the No As a onetime exercise expiring policy period Accumulation Up to a maximum of 25%
No
No
10% increase in SI per claim free year Maximum accumulation of 50% No cumulative bonus In case of a claim
No
No
5% increase in SI per claim free year Up to a maximum of 50% of basic cover SI In case of a claim No the existing Cumulative Bonus will be reduced by 10% of Basic Sum Insured at the next renewal
No
No
No
No
No
No
No
No
No
5% increase in SI per claim free year Maximum accumulation of 10 claim free years I) In case of a No claim on the policy where cumulative bonus has been earned 5% increase in SI per claim free year Maximum accumulation of 30% cumulative bonus In case No of a claim entire cumulative bonus will be withdrawn at the time of renewal
No
No
No
5% increase in SI per claim free year Maximum accumulation of 30% cumulative bonus In case No of a claim entire cumulative bonus will be withdrawn at the time of renewal
No
No
No As a onetime exercise No
No
No
2nd year 3rd year 4th year Exclusion Exclusion Exclusion
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No
No

Medi Claim

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Medi Claim

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COMPANIES OFFERING MEDICLAIM POLICIES S.

Hospitalisation Expenses Names

Any 1 illness hospitalisation limit

Royal Sundaram Health-shield standard (1yr)

1,00,000 hospitalisation For minimum 24 hrs

Future Generali Health Suraksha Silver (1yr)

Apollo Munich Individual Standard (1yr)

1,00,000 hospitalisation For minimum 24 hrs

Apollo Munich Individual Standard (2yr)

1,00,000 hospitalisation For minimum 24 hrs

yes upto 80% of overall Sum Insured

Apollo Munich Individual Standard (2yr)

1,00,000 hospitalisation For minimum 24 hrs

yes upto 80% of overall Sum Insured

IFFCO-TOKIO Individual (1yr)

1,00,000 hospitalisation For minimum 24 hrs

yes upto 80% of overall Sum Insured

Cholamandlam MS Individual Basic + Extra Cover (1yr)

Cholamandlam MS Individual Basic Cover (1yr)

1,00,000 hospitalisation For minimum 24 hrs

National Insurance Individual (1yr)

1,00,000 hospitalisation For minimum 24 hrs

National Insurance Individual (1yr)

1,00,000 hospitalisation For minimum 24 hrs

Oriental Insurance Individual (1yr)

1,00,000 hospitalisation For minimum 24 hrs

Max Renewal Age

Pre & Post Hospitalisation

Additional Hospitalisation expenses cover for critical illness

Local Road Ambulance Service

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes upto Rs.1000

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes 1% of the sum insured policy period subject to a max of Rs.1500

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

20000 of Hospitalisation benefit

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes upto Rs.2000

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes 1% of the sum insured max of Rs.1500

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes 1% of the sum insured max of Rs.1500

Yes within the limit of Hospitalisation benefit

yes upto Rs.1000

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes 1% of the sum insured max of Rs.1500

Yes within the limit of Hospitalisation benefit

yes upto Rs.1000

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

20000 of Hospitalisation benefit

yes 1% of the sum insured max of Rs.1000

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes 1% of the sum insured max of Rs.2500

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

yes 1% of the sum insured max of Rs.2500

Daycaretreatment.xlsx, within the limit of Hospitalisation benefit

20000 of Hospitalisation benefit

yes 1% of the sum insured max of Rs.2000

Expenses on Accompanying person

Nursing Allowance Hospitalisation Daily Allowance

Cost of Health check up

yes up to 1% of the amount of average SI for the preceeding three years

yes Actual cost within No overall limit of SI