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Chola MS Chola Healthline Enrich - 3 Lakh to 25 Lakh Vs IFFCO Tokio Individual Health Protector - 5 to 20 Lakh Health Plan Comparison

Chola MS
Chola Healthline
Enrich
3 Lakh to 25 Lakh
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IFFCO Tokio
Individual Health Protector
5 to 20 Lakh
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Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
55
Minimum Entry Age (Child)
3 months
3 Month
Maximum Entry Age (Child)
26
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
141
161
OPD Benefit
No Pre-Policy Medical Tests Age
Compulsory for all ages
Compulsory for all ages
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
0
0
Waiting Period for Named Ailments (months)
0
0
Pre-hospitalisation Expenses
Not Covered
Actual expenses for Upto 45 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
2000
1%(one percent) of the sum insured or Rs. 2500 (tw
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 1% (one percent) of the average sum insured during the block of four claim free policies.
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 50% of Sum Insured every claim free year subject to maximum of 100% of Sum Insured
Yes, 5% (five percent) of the basic sum insured at each renewal in respect of each claim free year of insurance, subject to maximum of 50% (fifty percent) of the insured person’s basic sum insured of the expiring
Co-payment
Cashless Hospital Network
5300 hospitals across India
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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