Comparision of Health Insurance Premium

Features ICICI LombardLombard Bajaj-Allianz IFFCO-Tokio Royal Sundram TATA-AIG Reliance General


Age-Limit 3 months to 65 years(renewal upto 75 years) 3 months to 70 years(renewal upto 75 years) 3 months to 70 years 3 months to 60 years(renewal upto 70years) 6 months to 50 years 3 months to 75 years

Pre & Post Hospitalization Expenses 30 days Prior & 60 days Post Hospitalization Expenses 60 days Prior & 90 days Post Hospitalization Expenses 60 days Prior & 60 days Post Hospitalization Expenses 30 days Prior & 60 days Post Hospitalization Expenses No 60 days Prior & 90 days Post Hospitaliazation Expenses

Pre-existing diseases (coverage after No of years) Covered After 2 claim-free years Covered After 4 claim-free years Covered After 3 claim-free years Covered after 5 claim-free years Not covered Covered after 2 claim free years

Cashless facility & Network Hospitals Yes list of Hospitals

Yes Yes Yes No Yes

Family Discount 10% 10% 10% 10% Yes Yes upto Rs. 1000

No Claim Discount 5% for Claim-free year with a maximum of 50% No No No No 5% for Claim-free year with a maximum of 50%

No Claim Bonus No 5% for Claim-free year with a maximum of 50% No 5% for Claim-free year with a maximum of 50% 5% No

Maternity Benefits No No No No No No

Ambulance Charges Covered Upto Rs. 1000 only in emergency Upto Rs. 1000 only Subject to a limit of Rs. 1000/- per claim in emergency Covered No

Room & Boarding Expenses Yes, No limit Yes, No limit Yes, No limit Subject to a limit of 1.5% of Sum assured per day Yes Yes, No limit

Specified diseases excluded for First two years First two years First year First year All diseases are covered First two years

Income Tax benefit under Sec 80D Yes Yes Yes Yes Yes Yes

Accidental Cover Yes Yes Yes Yes Yes Yes