India's 1st IRDAI Approved Insurance Web Aggregator

HDFC Ergo Health Suraksha Individual Gold - 4 Lacs and 5 Lacs Vs ICICI Lombard Complete Health Insurance Individual - 3 to 5 Lakh Health Plan Comparison

HDFC Ergo
Health Suraksha Individual
Gold
4 Lacs and 5 Lacs
Change plan
ICICI Lombard
Complete Health Insurance
Individual
3 to 5 Lakh
Change plan
Policy Tenures (Years)
1,2
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
100
Minimum Entry Age (Child)
91 days
3 Month
Maximum Entry Age (Child)
21
20
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
144
150
OPD Benefit
No Pre-Policy Medical Tests Age
45
100
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
Optional
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Optional
Optional
Ambulance Charges (Rs.)
2000
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered
Organ Donor Expenses
Actual expenses
Not covered
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
Yes, 10% of Annual Sum Insured provided on each renewal for every claim-free year up to a maximum of 50%
Co-payment
Cashless Hospital Network
6000 hospitals across India
4500 hospitals across India
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
Calculate Your Premium
Change Plan
Company name
Plan Name
Sum Assured
Compare
Important: Insurance is the subject matter of solicitation | © 2009-2022 MyInsuranceClub.com