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HDFC Ergo Health Suraksha Family Floater Platinum - 4 Lacs and 5 Lacs Vs IFFCO Tokio Health Protector Plus Individual - 2 to 25 Lakh Health Plan Comparison

HDFC Ergo
Health Suraksha Family Floater
Platinum
4 Lacs and 5 Lacs
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IFFCO Tokio
Health Protector Plus
Individual
2 to 25 Lakh
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Policy Tenures (Years)
1,2
1
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
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
144
161
OPD Benefit
No Pre-Policy Medical Tests Age
45
Compulsory for all ages
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Not Covered
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 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Waiting period of 48 months
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
2000
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered
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, 5% on every renewal, for every claim-free year, subject to maximum accumulation of 50% of sum insured
Co-payment
Cashless Hospital Network
6000 hospitals across India
4000 hospitals across India
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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