| Benefits | Medicare Protect | Medicare | Medicare Premier |
| Sum Insured | 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs | 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs | 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakh |
| Pre-Hospitalization expenses | 30 days before the date of admission to the hospital | 60 days before the date of admission to the hospital | 60 days before the date of admission to the hospital |
| Post-Hospitalization expenses | 60 days after discharge from the hospital | 90 days after discharge from the hospital | 90 days after discharge from the hospital |
| Day Care Procedures | 540+ listed Day Care Treatment covered | 540+ listed Day Care Treatment covered | 540+ listed Day Care Treatment covered |
| Ambulance Cover | 1000 | 3000 | 5000 |
| Health Checkup | Up to 1% of sum insured per policy and more than one insured can utilize the amount. The benefit is payable after every 3 continuous claim free policy years. | Up to 1% of sum insured and maximum of Rs.10,000/- per policy and more than one insured can utilize the amount. The benefit is payable after every 2 continuous claim free | Up to 1% of sum insured and maximum of Rs.10,000/- per policy and more than one insured can utilize the amount. |
| Cumulative Bonus | 10% on base sum insured for every claim free year and up to 100%. Reduced by 10% and up to 100% in case of claim. | 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. | 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. |
| Co-pay | 10% for higher room | optional | No Co-pay |
| Compassionate Travel | Max 20,000pa, more than 5 days of hospitalisation | Max 20,000pa, more than 5 days of hospitalisation | Max 20,000pa, more than 5 days of hospitalisation |
| Accidental Cover | optional | optional | Inbuilt, upto Sum Insured |
| Hearing Aid | - | 10,000, every third year | 10,000, every third year |
| Daily cash for choosing shared accomodation | - | If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. | If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. |
| Daily cash for accompanying an insured child | - | If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. | If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. |
| Maternity Expenses Cover | - | - | Up to Rs.50,000/- (Rs.60,000/- in case of girl child) per policy. Waiting period 4 years. |
| New born baby cover | - | - | If a claim is admitted under the maternity benefit, then the company covers for medical expenses incurred on the treatment of new born baby up to Rs.10,000/- for complications related to delivery. |
| Waiting Period for pre-existing disease | 48 months | 36 months | 24 months |
| OPD Dental | - | - | 10,000 |
| OPD | - | - | 5000 |
| High end diagnostics | - | - | 25,000 |
| Vaccination Cover | - | 5000 | Up to Sum Insured |
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