Compare health insurance in India, compare Indian Mediclaim Insurance policies

Compare Best mediclaim insurance

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.


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