Care Advantage vs Comprehensive Individual Health Insurance Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Care Advantage |
 Comprehensive Individual |
| Premium Including GST | ||
| Sum Assured | 25L, 50L, & 1CR | 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L & 1Cr |
| Product Type | Individual and Family Floater | Reimbursement Hospitalization and Cashless |
| 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 |
Automatic Restoration – 100% Available No claim bonus Hospital cash benefit Cover against accidental death and permanent total disablement Health checkup for every claim-free year Wellness program – earn wellness reward Option available to buy back pre-existing disease |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Optionally Covered | 300 Per Consultation & overall limit 2100/- |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
NA | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered upto 100L | Private Single Standard A/C |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Available | Upto Rs. 10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Covered upto 100L | Rs.15k for Ayush Treatment |
| 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 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 | Applicable |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Available | 750/- per day |
| 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 years, Can get reduced to 1 year on additional premium payment |
| 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 | Rs 10L per year upto Rs 10L |
| 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 (on related and unrelated illness & on full exhaustion) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered up to Rs. 100L | Yes |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Optional | NA |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Available | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | No |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Optional (can be opted Annually) | Given after every claim free year (limit varies as per Sum Insured) |
| 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 | Yes |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Available | NA |
|
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) | You pay 10% of claim |
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.
