Chola MS Chola Healthline Freedom - 3 Lakh to 15 Lakh Vs SBI General Health Insurance Family Floater - 1 to 5 Lakh Health Plan Comparison
Chola MS
Chola Healthline
Freedom
3 Lakh to 15 Lakh
Change plan
SBI General
Health Insurance
Family Floater
1 to 5 Lakh
Change plan
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)
26
23
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
141
142
No Pre-Policy Medical Tests Age
Compulsory for all ages
46
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
Waiting Period for Pre-existing Diseases (months)
0
0
Waiting Period for Named Ailments (months)
0
0
Pre-hospitalisation Expenses
Not Covered
Not Covered
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Not Covered
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Ambulance Charges (Rs.)
2000
1% of Sum Insured per Policy period up to a maximu
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
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
Actual expenses
15% of Sum Assured , Subject to Maximum of 20000
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 5% of Sum Insured
every claim free year
subject to maximum
of 50% of Sum
Insured
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
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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