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Bajaj Allianz Individual Health Insurance Gold - 3 Lakh to 50 Lakh Vs SBI General Health Insurance Family Floater - 1 to 5 Lakh Health Plan Comparison

Bajaj Allianz
Individual Health Insurance
Gold
3 Lakh to 50 Lakh
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SBI General
Health Insurance
Family Floater
1 to 5 Lakh
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Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 months
3 Month
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
142
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
Not Covered
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Not Covered
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Optional
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
20000
1% of Sum Insured per Policy period up to a maximu
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 1% of SI up to a max of Rs. 2500 for every 4 claim free years.
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
15% of Sum Assured , Subject to Maximum of 20000
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, Increasing the Sum Insured by 5%. The maximum cumulative bonus shall not exceed 25% of the Sum Insured in any policy year
Co-payment
10% of Sum Assured
Cashless Hospital Network
No Cashless Treatment
No Cashless Treatment
Free Look Period
15 days
15 days
Grace Period
30 days
0 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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