Lifetime Health vs Women Care Health Insurance Plan
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Lifetime Health vs Women Care Health Insurance Plan 2024

Lifetime Health Plan and Women Care Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Lifetime Health Plan are 14000+ Number Of Network Hospitals whereas Women Care Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  ManipalCigna Health Insurance Company Limited

Lifetime Health

 Star Health And Allied Insurance Company Limited

Women Care

Premium Including GST
Sum Assured 50L, 75L, 1Cr, 1.5Cr, 2Cr & 3Cr 5, 10, 15, 20, 25, 50 Lacs & 1Cr
Product Type Individual and Family Floater Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
Robotic and Cyber Knife Surgery
Modern and Advanced Treatments
HIV/AIDS and STD
Mental Care are covered upto sum insured. Upto 100% of SI restoration
Covers In Utero Fetal Surgery/Repair
Ante-Natal Care
Assisted Reproduction (ART)
Voluntary Sterilization
Metabolic Screening
Bariatric Surgery
Pediatrician Consultations & miscarriage due to Accident; Unlimited Gynecologist Consultation through Star tele health app is available
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Applicable Only available for Female Insured Person Upto Rs. 2500/-
EMI Option no no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Not Applicable Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Any room except suite and above Rs 10000/-per day
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 5L Not Available
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 50L Covered upto 10L
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs. 50L & All Day Care Treatments are covered All day care treatment Covered upto 10L
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered upto 50L Covered up to SI, Add’l 100% SI is available for the Donor in case of Redo Surgery / ICU admission
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Applicable Not Available
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 2 year After 2 years
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Not Available Rs 2L of the Sum Insured upto Rs 10L
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Unlimited Times (On unrelated illness and on partial Exhaustion) 100%
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered upto 50L Yes
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Covered Not Available
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Rs 50000/-
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
no Rs 250000/-
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Once every year Available every policy year (irrespective of claim) from Rs. 1000-5000/ per insured person
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Yes Yes
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Applicable Not Available
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Applicable You pay 0% of claim

Health Insurance Companies

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Naval Goel

Reviewed By: Naval Goel

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.