New India Assurance vs Godigit Health Insurance

Compare New India Assurance vs Godigit Health Insurance Plans
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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New India Assurance Godigit
Claims Settlement Ratio ** 97.32% 60
Number of Lives Covered * 8,75,61,000 --
Network Hospitals 3,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
New India Assurance New India Assurance New India Assurance New India Assurance Godigit Godigit
Mediclaim Premier Mediclaim Floater Mediclaim Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered Covered Covered Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Not exceeding 1% of the sum insured per day Covered Not exceeding 1% of the sum insured per day 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
Not exceeding 2% of the Sum Insured per day Covered Not exceeding 2% of the Sum Insured per day Up to 5% of sum insured subject to maximum of Rs.10,000 per day Covered Covered
Pre-hospitalization
30 days before the date of admission to the hospital 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
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
60 days after discharge from the hospital 90 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
139 Day Care procedures are covered Covered Covered Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
1% of the Sum Insured Covered 1% of the Sum Insured Rs.2,000 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
Not Covered Not Covered Not Covered 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 Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Up to 25% of sum insured Up to 20% of Sum Insured Up to 25% of sum insured Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Plan A: Up to Rs.50,000
Plan B: Up to Rs.100,000
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Covered Covered for any Illness or Injury Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Covered Covered hospitalisation expenses
(excluding cost of organ)
Covered hospitalisation expenses
(excluding cost of organ)
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 Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Health check up for every 3 claim free years Health check up for every 3 claim free years Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured
Plan A: Rs.2,000 per day
Plan B: Rs.4,000 per day
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
Option of Co-pay up to 20% on certain mediclaim plans NIL Co-pay under this plan NIL Co-pay under this plan 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 4 years of continuous coverage Covered after 3 years of continuous coverage Covered after 4 years of continuous coverage 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
NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit
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 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
25% for every claim free year up to 50% of sum insured Not Covered 25% for every claim free year up to 50% 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 Up to Rs. 1,00,000 for any one illness Not Covered 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
Rs.1 to 15 Lakhs Rs.15 Lakhs to 1 Crore Rs.2 to 15 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 1/2/3 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
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) Adults from 18 to 65 years (dependents 91 days to 17 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 Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Claims loading
No Loading No Loading No Loading No Loading Loading Loading
Portablity
(At the time of renewal)
Yes 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 Income tax benefit under section 80D

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