Personal Accident Policy
vs
Optima Restore Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Personal Accident Policy |
3937-1730269249.webp){kind=logo} Optima Restore Plan |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not 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) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
18400 | 12000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | 18 to 65 Years | 5 to 65 years |
| Plan Premium Entry Age and S/A | N/A | 8852 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | Individual & Family floater |
| Plan Sample Premium | N/A | 8852 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1, 2 years |
| ICU Charges | Not Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 93.54 | 98.59 |
| Solvency Ratio | 3.6 | 1.7 |
|
Bajaj Allianz Health Insurance HDFC Ergo Health Insurance Plan Detailed Review |
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Bajaj Allianz Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj Allianz's Personal Accident Policy makes sure that your future isn’t affected by any unfortunate turn of events.
The accidental death or injury of a breadwinner can create serious financial problems for the family. Bajaj Allianz Personal Accident Insurance policy ensures total security and peace of mind.
Bajaj Allianz Accidental Insurance offers up to 3 years of policy coverage tenure with a sum insured of up to 25 Lakh INR. Bajaj Allianz Personal Accident Insurance Policy coverage is broadly divided into 3 sections Basic, Wider, and Comprehensive, and is available with two add-on covers like medical expenses and Hospital confinement allowance.
Bajaj Allianz Personal Accident health plan covers the insurer in case of Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.
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