Future Generali Health Total Vital - 3 Lakh Vs ICICI Lombard Complete Health Insurance Individual - 7 & 10 Lakh Health Plan Comparison
ICICI Lombard
Complete Health Insurance
Individual
7 & 10 Lakh
Change plan
Policy Tenures (Years)
1,2,3
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
100
Minimum Entry Age (Child)
1 day
3 Month
Maximum Entry Age (Child)
25
20
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Actual
Actual
No. of Day Care Treatments Covered
All
150
No Pre-Policy Medical Tests Age
50
100
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
24
24
Waiting Period for Named Ailments (months)
0
0
Pre-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Optional
Optional
Newborn Coverage
Not Covered
Not Covered
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1500
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Covered
Not covered
Cumulative Bonus
Yes, 50% for every claim-free year to max 100%
Yes, 10% of Annual Sum Insured provided on each renewal for every claim-free year up to a maximum of 50%
Cashless Hospital Network
4200 hospitals across India
4500 hospitals across India
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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