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Bajaj Allianz Individual Health Insurance Gold - 3 Lakh to 50 Lakh Vs Cigna TTK ProHealth Select Family Floater Select - A - 50 Thousand to 10 Lakh Health Plan Comparison

Bajaj Allianz
Individual Health Insurance
Gold
3 Lakh to 50 Lakh
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Cigna TTK
ProHealth Select Family Floater
Select - A
50 Thousand to 10 Lakh
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Policy Tenures (Years)
1,2,3
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
Minimum Entry Age (Child)
3 months
91 days
Maximum Entry Age (Child)
30
23
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
130
171
OPD Benefit
No Pre-Policy Medical Tests Age
45
46
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
Waiting Period for Pre-existing Diseases (months)
36
36
Waiting Period for Named Ailments (months)
36
36
Pre-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Not Covered
Actual expenses
Maternity Expenses
Optional
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
20000
2000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% of base sum insured per annum, but: The maximum cumulative increase in the Limit of Indemnity will be limited to 10 years and 100%
Yes, 5 % each year maximum upto 100%.This will not be reduced in case of claim under the Policy
Co-payment
Cashless Hospital Network
No Cashless Treatment
No Cashless Treatment
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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