HDFC Ergo Health Suraksha Family Floater Platinum - 2 Lacs and 3 Lacs Vs National Insurance National Parivar Mediclaim Plus Plan B - 15,20 & 25 Lakh Health Plan Comparison
HDFC Ergo
Health Suraksha Family Floater
Platinum
2 Lacs and 3 Lacs
Change plan
National Insurance
National Parivar Mediclaim Plus
Plan B
15,20 & 25 Lakh
Change plan
Policy Tenures (Years)
1,2
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
65
Minimum Entry Age (Child)
91 days
3 Month
Maximum Entry Age (Child)
21
18
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
144
140
No Pre-Policy Medical Tests Age
45
Compulsory for all ages
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
24
24
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
Actual expenses
Not Covered
Maternity Expenses
Waiting period of 48 months
Waiting period of 24 months
Newborn Coverage
Not Covered
Actual expenses for
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
2000
4000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered
Covered , Every 2 yrs., up to INR 7,500 irrespective of claims
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses
Actual expenses
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 5% on every renewal, for every claim-free year, subject to maximum accumulation of 50% of sum insured
Cashless Hospital Network
6000 hospitals across India
No Cashless Treatment
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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