Cholamandalam vs Godigit Health Insurace

Compare Cholamandalam vs Godigit Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
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Cholamandalam Godigit
Claims Settlement Ratio ** 73.87% 60
Number of Lives Covered * 27,48,000 --
Network Hospitals 6,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Cholamandalam Godigit Godigit
Healthline Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2Lakhs. For Rs.1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered Covered Covered
Pre-hospitalization
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Covered (Maximum 7 days)
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
Value Healthline: Rs.1,000 per hospitalisation
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 per hospitalisation
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Value Healthline& Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization)
(Additional benefit)
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered
(for age above 55years)
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Pre-existing diseases covered after 4 years of continuous coverage
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilage Healthline: Rs.5 to 25 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2/3 years
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
Adults from 18 to 65 years (dependents 90 days to 26 years)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Value Healthline& Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilage Healthline: Not Covered
(Additional benefit)
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Claims loading
No Loading No Loading No Loading
Portablity (At the time of renewal)
Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Health Insurance Priority

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025