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Compare Indian health insurance policies, Health insurance comparison

Health care in India has improved significantly over the past few years but the cost of medical treatment has also increased drastically. It is therefore very important for Indians to have good health insurance. There are many popular Indian health insurance companies that offer well designed mediclaim insurance plans. While most of them offer similar health insurance coverages, there are some unique features offered by different Indian mediclaim insurance policies. It is therefore recommended to compare and buy the best health insurance for your specific needs. The table below gives a quick comparison of the different Indian mediclaim policies.
Star Health Insurance Plans Apollo Munich Insurance plans HDFC ERGO Insurance Plans Care Insurance Plans Reliance Insurance Plans Royal Sundaram Insurance Plans manipal-cigna TATA AIG Insurance Plans
Maximum Sum Insured
25,00,000 50,00,000 75,00,00 75,00,000 90,00,00 1,50,00,000 50,00,000 50,00,000
Inpatient Treatment
Covered upto max SI Covered upto max SI Covered upto max SI Covered upto max SI Covered upto max SI Covered upto max SI Covered upto max SI Covered upto max SI
Room, Boarding & Nursing Charges
Single Standard A/C Actual Actual Single Private Room - - Any Hospital room except Suite Single Private Room
ICU / Operation Theater Charges
Actual Actual Actual Actual - - Actual Actual
Ambulance Charges (per policy period)
5,000 2,000 Actual 3,000 1,500 10,000 2,000 5000
Air Ambulance (per policy period)
10% of Sum Insured 250,000 - - - - - 500,000
Pre Hospitalisation Expenses incurred
upto 30 days upto 60 days upto 60 days upto 30 days upto 60 days upto 60 days upto 60 days upto 60 days
Post Hospitalisation Expenses incurred
upto 60 days upto 180 days upto 90 days upto 60 days upto 60 days upto 180 days upto 180 days upto 90 days
Delivery Charges (Normal)
25,000 - - - - - - 50,000 (60,000 for a girl child)
Deliver Charges (Cesarean)
40,000 - - 100,000 - 250,000 up to sum insured 50,000 (60,000 for a girl child)
Waiting Period for Delivery
36 months for first delivery
24 months after a delivery claim
- - - 30 days 36 months for first delivery 48 months 48 months
Coverage for New Born Child
100,000 - - - - 3,750,000 Upto Sum Insured upto 90 days from date of birth 10,000
Vaccination Charges
1,000 - - - - 10,000 Included in Sum Insured 10,000 (15,000 for a girl child)
Outpatient (OPD) Dental Cover
10000 (Dental/Ophthal coverage in a block of 3 years of continuous renewal - - - - - - 10,000 after completing two years of continuous coverage
OPD Medical Consultation (other than OPD Dental & Ophthal)
3,300 - - - - 10,000 - 5,000 after completing two years of continuous coverage
Hospital Cash - per day limit
1500 upto 7 days per occurrence and upto 120 days per policy period (per day limit) 1000 (maximum 6,000) - - - 5,000 1,000 Upto Rs 2,000 for shared accomodation
Health Check Up
12,000 (once in a block of 3 claim free years of continuous renewal) 5,000 1% Sum Insured (every 4 years) Covered - Annual Coverage Included once every 3 years 1% of Sum Insured every year upto ₹10,000
Restoration Benefit after exhaustion of Sum Insured (once during policy period)
100% 100% - - Upto 100% of SI once, subject to sublimit of 20% for related illness/injury Upto Base Sum Insured Upto 100% multiple times a year Upto Sum Insured
Bariatric Surgery(per policy period)
250,000 - - - - - - Covered Upto Sum Insured
Accidental Death
2500000 (also included Permanent Total Disablement (PTD)) - - - - - - Fixed amount of 100% SI
Day Care Procedures
400 day care procedures are covered All Covered Covers 144 Day care procedures All Covered All Covered All Covered Covers 540 Day Care procedures upto Maximum SI 540+ listed Day Care Treatment covered
Organ Donor
- upto Sum Insured upto Sum Insured 300,000 50% of SI upto 500,000 upto Sum Insured Only Inpatient Expenses upto SI upto Sum Insured
Domiciliary Treatment
- Up to Sum Insured Up to Sum Insured Up to 10% of Sum Insured Up to 10% of SI upto Maximum of 50,000 Up to Sum Insured Actual Expenses upto 30 days of treatment upto Sum Insured
Multiplier Benefit
- Bonus @ 50% for every claim free year upto 100% Bonus @ 5% for every claim free year upto 50% Covered Bonus @ 33.33% increase upto 100% for every claim free year Bonus @ 20% increase upto 100% for every claim free year Bonus @ 25% increase upto 100% for every claim free year Bonus @ 50% for every claim free year upto 100%
Critical Advantage Rider
- Included - - - - - -
E Opinion for Critical Illness
- Included - Included - Included once per policy year Included once per policy year Included
Ayush Benefit
- - Included 40,000 - Government Hospitals - upto SI; Other Hospitals - upto Rs.50,000 Covered Upto Sum Insured Covered Upto Sum Insured
Global Coverage for Treatment
- - - Treatment can be availed anywhere in the world - Covered upto max SI; Airfare upto Rs.3,00,000 - Covered upto max SI provided diagnosis was made in India
Wellness Coverage
- - - - Included Included - -
Call Option
- - - - After every 4 claim free years up to maximum 4 times Base Sum Insured provided the total Sum Insured less than or equal to Rs 50 Lac. Can be exercised up to the age of 60 years. - - -
Emergency Domestic Evacuation
- - - - - 300,000 - -
Worldwide Emergency Hospitalisation
- - - - - Upto 20% of Base SI subject to maximum of Rs. 20 lacs with deductible of $1000 Covered upto max SI once in a policy year -
Vaccination Charges (Animal Bite)
- - - - - 7,500 - Covered for Anti Rabies and Typhoid
Health Maintenance Benefit
- - - - - - Included -
Inpatient Dental Treatment
- - - - - - - Included
Hearing Aid
- - - - - - - 50% of Actual or 10,000 every third year
Prolonged Hospitalisation Benefit
- - - - - - - 1% of SI if continuous hospitalisation is for more than 10 days
High End Diagnostics
- - - - - - - Upto 25,000 per policy year
Outpatient Treatment
- - - - - - - 5000 once for every two years
Compassionate Visit (Travel)
- - - - - - - Upto 20,000
Consumables Benefit
- - - - - - - Included as per IRDA 2016 guidelines

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