Arogya Sanjeevani vs Prime Advantage with 30K OPD Health Insurance Plan
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Arogya Sanjeevani vs Prime Advantage with 30K OPD Health Insurance Plan 2024

Arogya Sanjeevani Plan and Prime Advantage with 30K OPD 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 Arogya Sanjeevani Plan are 14000+ Number Of Network Hospitals whereas Prime Advantage with 30K OPD 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  SBI General Insurance Company Limited

Arogya Sanjeevani

 ManipalCigna Health Insurance Company Limited

Prime Advantage with 30K OPD

Premium Including GST
Sum Assured 3L, 4L & 5L 5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 30L, 40L, 50L & 1Cr
Product Type Reimbursement Hospitalization and Cashless Individual and Family Floater
Key Features
(Key features of the plan)
15 days Free-look period
Lifelong Renewability
Day Care Treatment covered
12 Advance processures covered upto 50% of SI
AYUSH coverage
Life-long renewability
Tax Deduction: Under Sec 80D
OPD upto INR 30000
Guaranteed Bonus
Unlimited Tele-Consultation
Unlimited Restoration of 10 L
No Co-Pay
Health Check-up from 1st Year
Waives off one year renewal Policy Premium upon occurrence of Accidental Death or diagnosis of any of the listed Critical Illnesses
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not covered Upto 30K/-
EMI Option no yes
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Not Required Required
Room Rent
(A limit of room rent cover during hospitalization if any)
up to 2% of the Sum insured subject to maximum of Rs.5000/- per day Single Private AC room
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Not covered Up to Rs 100000
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 180 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Covered Upto Rs 1000000
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered Upto Rs 1000000
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Not covered Upto Rs 1000000
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not covered 800/- day and Max 5,600 (These are only available on shared accomodation)
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 4 year 24 Months
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Rs 0.25L per year upto Rs 2.5L (Guaranteed) Rs 2.5L per year upto Rs 20L
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Not Applicable Unlimited (on related and unrelated illness & on partial exhaution)
Ambulance Charges
(Expenses incurred on ambulance charges)
Rs.2000/- per hospitalisation Upto 1000000
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Covered NA
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Optional (Can be opted through enhance plus rider)
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
NA Optional (Can be opted through enhance plus rider)
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not covered Annually from 1st Year onwards
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Not covered Not Available
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not covered Not Applicable
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
5% on all admissible claim No Co-Pay

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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.