National Mediclaim Plus Policy
vs
Bajaj Allianz Herizon Care
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 National Mediclaim Plus Policy |
 Bajaj Allianz Herizon Care |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3200 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Available |
| Plan Entry Age | Min: 3 Months, Max: 65 Years | Adult 18 – 80 years, Child Day 90 to 35 years |
| Plan Premium Entry Age and S/A | NA | 2845 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | NA | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3/4/5 year/s |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.31 | 93.54 |
| Solvency Ratio | 0.3 | 3.6 |
National Medicliam Plus Policy is a high sum insured policy that indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries, Ayurveda and homoeopathy treatment, organ donor's medical expenses, maternity, hospital cash ambulance, air ambulance, medical emergency reunion, vaccination for children and medical second opinion. The policy also provides optional covers for Critical Illness and outpatient treatment. The policy covers medical expenses for 30 days of pre-hospitalization and post-hospitalization of 60 days.
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