Comprehensive Individual vs Lifetime Health Health Insurance Plan
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Comprehensive Individual vs Lifetime Health Health Insurance Plan 2024

Comprehensive Individual Plan and Lifetime Health 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 Comprehensive Individual Plan are 14000+ Number Of Network Hospitals whereas Lifetime Health 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  Star Health And Allied Insurance Company Limited

Comprehensive Individual

 ManipalCigna Health Insurance Company Limited

Lifetime Health

Premium Including GST
Sum Assured 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L & 1Cr 50L, 75L, 1Cr, 1.5Cr, 2Cr & 3Cr
Product Type Reimbursement Hospitalization and Cashless Individual and Family Floater
Key Features
(Key features of the plan)
Automatic Restoration – 100% Available
No claim bonus
Hospital cash benefit
Cover against accidental death and permanent total disablement
Health checkup for every claim-free year
Wellness program – earn wellness reward
Option available to buy back pre-existing disease
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
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
300 Per Consultation & overall limit 2100/- Not Applicable
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)
Private Single Standard A/C Any room except suite and above
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Upto Rs. 10L Up to Rs 5L
Pre-hospitalization
(Expenses before the insured is hospitalized)
60 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
90 Days 180 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Rs.15k for Ayush Treatment Covered upto 50L
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto 10L & All Day Care Treatment Covered Upto Rs. 50L & All Day Care Treatments are covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Applicable Covered upto 50L
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
750/- per day Not Applicable
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 3 years, Can get reduced to 1 year on additional premium payment After 2 year
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Rs 10L per year upto Rs 10L Not Available
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Upto Rs 10L (on related and unrelated illness & on full exhaustion) Unlimited Times (On unrelated illness and on partial Exhaustion)
Ambulance Charges
(Expenses incurred on ambulance charges)
Yes Covered upto 50L
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
NA Not 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)
No no
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Given after every claim free year (limit varies as per Sum Insured) Once every year
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)
NA Not Applicable
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)
You pay 10% of claim Not Applicable

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.