Bajaj Allianz Individual Health Insurance Gold - 3 Lakh to 50 Lakh Vs Future Generali Health Total Vital - 3 Lakh Health Plan Comparison
Bajaj Allianz
Individual Health Insurance
Gold
3 Lakh to 50 Lakh
Change plan
Policy Tenures (Years)
1,2,3
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
Lifelong
Minimum Entry Age (Child)
3 months
1 day
Maximum Entry Age (Child)
30
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
130
All
No Pre-Policy Medical Tests Age
45
50
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
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
Not Covered
Maternity Expenses
Optional
Optional
Newborn Coverage
Not Covered
Not Covered
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
20000
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
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, 50% for every claim-free year to max 100%
Cashless Hospital Network
No Cashless Treatment
4200 hospitals across India
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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