Care Advantage vs Health Companion Health Insurance Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Care Advantage |
 Health Companion |
| Premium Including GST | ||
| Sum Assured | 25L, 50L, & 1CR | 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr |
| Product Type | Individual and Family Floater | Individual & Family Floater |
| Key Features (Key features of the plan) |
No Capping on Room Rent Offers high Sum Insured and affordable premiums Unlimited E-Consultations with General Physicians at networks Discount Connect - Discounts on services such as consultations-diagnostics maternity etc at networks Global Coverage could be optionally opted |
No Max Age Limit Animal Bite Cover AYUSH treatment covered up to Sum Insured Cover All day care procedures No Room Rent Capping Air Ambulance available Upto 2.5Lakh Co-payment is not applicable |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Optionally Covered | Not Available |
| EMI Option | yes | yes |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
NA | Required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered upto 100L | Actual - No capping on room rent |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Available | Upto sum insured |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Covered upto 100L | Upto Rs 10L |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs. 100L | Upto Rs. 10L & all Day Care Treatment covered |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs. 100L | Upto Rs 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Available | No |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
Covers after 4 years (Can Optionally be reduced to 2 years) | After 3 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
10% increase in SI for every claim free year & maximum upto 50% of SI | Increase of base sum assure from 20% to 100% |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs. 100L (for unrealted & same illness and on partial exhaution) | Upto Rs 10L (Applicable for both same & different illness) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered up to Rs. 100L | up to INR 2,000 per hospitalisation |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Optional | Not Applicable |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Available | Not Applicable |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | Not Applicable |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Optional (can be opted Annually) | Once in a year from day 1, up to INR 500 for every INR 1 Lakh Base Sum Insured, Individual-Max. 5000 Per insured members, Floater-Max. 10000 per policy |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Available | No |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Available | Up to INR 5,000 (Only Vaccination) |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
20% (if entered at the age of 61 & above, however, it can be waived - optionally) | No Co-Pay |
Trouble connecting with an insurance company?
Contact PolicyX.comCall at our toll-free number 1800-4200-269Email: helpdesk@policyx.com
We are happy to help.
See More Health Insurance Articles
See More Health Insurance Articles
Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
