Personal Accident Insurance
vs
Premium Personal Guard
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Personal Accident Insurance |
 Premium Personal Guard |
| Rating | 4.5 | 4.4 |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
- | - |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Applicable |
| Plan Uniqueness |
|
|
| Plan Short Widget Overview | - | - |
| Plan Entry Age | 18 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | NA | 1300 |
| Plan Waiting Period | 30 | N/A |
| Plan Renewability | NA | Lifetime |
| Plan Coverage | - | - |
| Plan Sample Premium | NA | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Plan Conclusion | - | - |
| Policy Term | 1 Years | 1 Year |
| ICU Charges | - | Not Covered |
| No Claim Bonus | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| IVF Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Second Medical Opinion | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Compassionate Travel | - | Not Covered |
| Global Coverage | - | Not Covered |
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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.
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