Compare Kotak General vs Godigit Health Insurace
| Kotak General | Godigit | |
|---|---|---|
| Claims Settlement Ratio ** | 77.71% | 60 |
| Number of Lives Covered * | 4,39,000 | -- |
| Network Hospitals | 3,900 + | 6,400 + |
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| Health Care | Health Premier | Arogya Sanjeevani | Digit Health Care Plus | Digit Health Plus |
| In-patient Treatment | ||||
| Covered | Up to base sum insured | Covered | Maxima Restore Super: All Illness Hospitalization Early Cover: All Illness Hospitalization Super Care: All Illness Hospitalization |
Covered |
| Room Rent | ||||
| No Cap on room rent for this plan | Capped at 1% for sum insured less than equal to 4 lakhs No cap on room rent for this plan | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day | 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 | Up to 5% of sum insured subject to maximum of Rs.10,000 per day | Covered | Covered |
| Pre-hospitalization | ||||
| Up to 30 days | Up to 60 days | Up to 30 days | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
Covered |
| Post-hospitalization | ||||
| Up to 60 days | Up to 90 days | Up to 60 days | Maxima Restore Super: 60 days Early Cover: 60 days Super Care: 60 days |
Covered |
| Day Care Procedures | ||||
| 150 day care procedures are covered | 405 day care procedures are covered | All day care procedures are covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Domiciliary Treatment | ||||
| Not Covered | Up to base sum insured | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Emergency Ambulance | ||||
| Up to Rs.1,500 | Covers up to Rs.20,000 per year | Covered | 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 | ||||
| Not Covered | Covered(covered from reward points) (1 Reward point = 0.25Rupees) |
Dental treatment, necessitated due to disease or injury | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Bariatric Surgery | ||||
| Not Covered | Not Covered | Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Ayush Benefit | ||||
| Not Covered | Up to base sum insured | Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Maternity Benefits | ||||
| Not Covered | Advantage: Not Covered Edge: Up to Rs.25,000 for normal and Rs.35,000 for Cesarean(optional) Elite: Up to Rs.50,000 for normal and Cesarean(optional) (Waiting period: 36 months) |
Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| New Born baby cover | ||||
| Not Covered | Advantage: Not Covered Edge & Elite: Within Maternity Benefit Sum Insured(optional) (Waiting period: 3years) |
Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Organ Donor Expenses | ||||
Up to Base Annual Sum Insured (Optional) |
Up to base sum insured | Not 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 | Not Covered | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Health Check-up | ||||
| For each insured person above 18 years of age, each policy year for specified tests | For each insured person above 18 years of age, each policy year for specified tests | Covered 56 years and above | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Hospital daily allowance | ||||
Rs.500 per day for minimum of Extensions 3 days subject to maximum of 10 days (Optional) |
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days Elite: Rs.3,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days (Optional) |
Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Co-pay | ||||
| NIL co-pay for all treatment | NIL co-pay for all treatment | 5% Co-pay applicable on all claims | 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 | ||||
| Covered after a waiting period of 4 years | Advantage: Covered after a waiting period of 4 years Edge: Covered after a waiting period of 4 years Elite: Covered after a waiting period of 3 years |
Covered after a waiting period of 4 years | 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 | ||||
| Up to 100% of base sum insured paid for unrelated illness/accidents | Up to 100% of base sum insured for unrelated illness/accidents | Not Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
NIL restoration benefit |
| General waiting period | ||||
| 30 days | 30 days | 30 days | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
30 days |
| Renewal Benefit / Cumulative Bonus | ||||
| 10% for every claim free year up to 50% of sum insured | Advantage: 10% for every claim free year up to 50% of sum insured Edge: 10% for every claim free year up to 100% of sum insured Elite: 10% for every claim free year up to 100% of sum insured |
5% for every claim free year up to 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 | Advantage: Not Covered Edge: Not Covered Elite: Up to 10% of base sum insured and subject to a maximum of 5lakhs (optional) |
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 | ||||
Individual: Excel: Rs.2 to 4 Lakhs Premium: Rs.5 to 25 Lakhs Floater: Excel: Rs.3 & 4 Lakhs Premium: Rs.5 to 25 Lakhs |
Advantage: Rs.3 to 10 Lakhs Edge: Rs.5 to 20 Lakhs Elite: Rs.10 to 25 Lakhs |
Rs.1 to 5 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 | 1/2/3 years | 1 year | 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 | ||||
| 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | Adults from 18 to 65 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 5 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 | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | ||||
| Not Covered | Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days Elite: Rs.1,500 per day for minimum 3 days of hospitalization subject to maximum of 10 days (Optional) |
Not Covered | Not Covered | Not Covered |
| Claims loading | ||||
| Loading | Loading | Loading | Loading | No Loading |
| Portablity (At the time of renewal) | ||||
| Yes | 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 | Income tax benefit under section 80D |
