Take Care of Your Family with Best Health Insurance Plans

Insurance Plan

Eligibility

Unique benefits

Limitations

Apollo Munich Optima

·         Maximum 6 members

·         dependent children ( from 91 days) , spouse and parents and parents-in law (5 to 65 years of age)

·         No sub limit on room rent

·         No co-pay

·         Restorer and multiplier benefit available

·         Pre-existing condition covered after a waiting period of 3 years

·         Non allopathic treatment dental treatment, and pregnancy are not covered

·         Free health checkup is not available up to sum insured 15 lakh

·         2 year waiting period for specific diseases like cataract, hernia, joint replacement etc.

Niva Bupa Companion

·         18 above for adults , 91 days to 21 years for children

·         Coverage up to 19 relationships

·         Life time renewal

·         No claim bonus

·         Non allopathic treatment covered, coverage for AYUSH

·         Vaccination for animal bites covered

·         Coverage for all day cares

·         No sub limit for pre and post hospitalization and domiciliary expenses.

·         20% co-pay is applicable for policyholders seeking treatment in zone 1 hospitals; however a 10% discount is available while choosing this option.

Star Health Comprehensive

3 months to 65 years

·         Air ambulance cover available from sum insured 7.5 lakh

·         Bariatric surgery is covered

·         Restoration of sum insured is available

·         New born baby cover available

·         Coverage for outpatient dental and ophthalmic treatment.

·         Non allopathic treatment naturopathy treatment, and pregnancy are not covered

·         Treatment outside India is not covered

·         10% co-pay is applicable for claims made by policy holders above 60 years of age at entry level

Family floater Health Guard  Bajaj Allianz Health Insurance

·         18 to 65 as adults

·         3 months to 25 years as dependent children

·         10% Cumulative bonus for every claim free year ( max is 50% for 5 claim free years) 

·         Free health check-up

·         130 day care procedures are covered

·         Life time renewal

·         Policy termination with a 15 day notice period and if no claim has been made, some premium will be refunded.

·         4 year waiting period for a pre-existing disease

·         Cosmetic aesthetic treatments are not covered

·         Any issue due to intake of alcohol and other additive substances is not covered

·         Non allopathic treatment are not covered

·         4 year waiting period for specific diseases like joint replacement, laser eyesight treatment etc.

Family Medicare Policy , United India Health Insurance

·         18 to 80 years  for adults

·         3 months to 18 years as dependent children

·         Lifetime renewal

·         Claim settlement with 15 days with the receipt of necessary documents

·         Return the policy within 15 days from the date of receipt of the policy

·         No claim discount of 3% after 3 continuous claim free years, maximum being 15%.

·         AYUSH treatment covered

·         Pre-existing conditions are not included

·         Naturopathy treatment, dental treatment, plastic & other cosmetic surgeries. and pregnancy are not covered

·         Any disease during first 30 days of the policy is not included

·         Any issue due to intake of alcohol and other additive substances is not covered