Compare Cholamandalam vs Oriental Health Insurace
| Cholamandalam | Oriental | |
|---|---|---|
| Claims Settlement Ratio ** | 73.87% | 99.48% |
| Number of Lives Covered * | 27,48,000 | 3,03,25,000 |
| Network Hospitals | 6,000 + | 4,300 + |
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|---|---|---|---|
| Healthline | Individual Mediclaim | Happy Floater | Arogya Sanjeevani |
| In-patient Treatment | |||
| Covered | Covered | Covered | 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 |
Not exceeding 1% of the sum insured per day | Silver & Gold: 1% of the sum insured per day Diamond: Rs.10,000 and 0.5% of the sum insured above Rs.10 lakhs per day |
2% of the sum insured subject to maximum of Rs.5,000 per day |
| ICU Charges | |||
| Covered | Not exceeding 2% of the Sum Insured per day | Silver & Gold: 2% of the sum insured per day Diamond: Rs.20,000 and 1% of the sum insured above Rs.10 lakhs per day |
Up to 5% of sum insured subject to maximum of Rs.10,000 per day |
| 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 |
30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital |
| 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 |
60 days after discharge from the hospital | 60 days after discharge from the hospital | 60 days after discharge from the hospital |
| Day Care Procedures | |||
| Covered | Covered | Covered | Covered |
| Domiciliary Treatment | |||
| Covered (Maximum 7 days) | Covered up to sum insured | Covered up to sum insured | Not 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 |
Rs.2,000 or 1% of the sum insured not exceeding Rs.4,000 | Silver: Rs.1,000 per illness and 1% of the sum insured subject to maximum Rs.3,000 per policy period Gold: Rs.2,000 per illness and Rs.6,000 per policy period Diamond: Rs.3,000 per illness and Rs.8,000 per policy period |
Rs.2,000 per hospitalisation |
| Dental Treatment | |||
Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Rs.10,000 every 2 Years (Additional benefit) |
Not Covered | Not Covered | Dental treatment, necessitated due to disease or injury |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Covered | Covered | 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) |
Not Covered | Silver & Gold: Not Covered Diamond: Covered up to 2.5% of the sum insured |
Not Covered |
| New Born baby cover | |||
Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured |
Not Covered | Silver & Gold: Not Covered Diamond: Covered up to 2.5% of the sum insured up to 90 days from the date of birth |
Not Covered |
| Organ Donor Expenses | |||
| Covered | Covered | Lumpsum payment of 10% of the sum insured. | Not Covered |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Health Check-up | |||
Value Healthline: Not Covered Freedom Healthline: Once after 3 claim free years Enrich & Privilage Healthline: Once after 2 claim free years |
Not Covered | Not Covered | Not Covered |
| Hospital daily allowance | |||
Value Healthline& Freedom Healthline: Not Covered Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization) (Additional benefit) |
0.1% of the sum insured per day subject to maximum of 6 days per insured person | Silver: Not Covered Gold: 0.1% of Sum Insured (Rs.600 to RS.1,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured Diamond: 0.1% of Sum Insured (Rs.1,200 to RS.2,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured |
Not Covered |
| Co-pay | |||
Value Healthline: 10% on all claims Freedom, Enrich, Privilage Healthline: Not Covered (for age above 55years) |
Option of Voluntary Co-pay of 10% or 20% with premium reduction | Mandatory Co-pay of 10% up to 70years / Additional 20% above 70 years | 5% Co-pay applicable on all claims |
| Pre-existing diseases coverage | |||
| Pre-existing diseases covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage |
| Restore Benefit | |||
| Not Covered | NIL Restoration benefit | NIL Restoration benefit | NIL Restoration benefit |
| General waiting period | |||
| 30 days | 30 days | 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 |
Not Covered | Not Covered | 5% for every claim free year up to 50% of sum insured |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| 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 |
Rs.1 to 10 Lakhs | Silver: Rs.2 to 5 Lakhs Gold: Rs.6 to 10 Lakhs Diamond: Rs.12 to 20 Lakhs |
Rs.1 to 5 Lakhs |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | 1/2/3 years | 1 year |
| Eligibility criteria | |||
| Adults from 18 to 65 years (dependents 90 days to 26 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) |
| Renewability | |||
| Renewal for whole life | 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) |
Not Covered | Not Covered | Not Covered |
| Claims loading | |||
| No Loading | Loading | Loading | No Loading |
| Portablity (At the time of renewal) | |||
| Yes | Yes | Yes | Yes |
| Tax Benefits Limit | |||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D |
