HDFC Ergo Health Suraksha Individual Silver - 1 Lac to 3 Lacs Vs Bajaj Allianz Individual Health Insurance Silver - 1.5 Lakh to 2 Lakh Health Plan Comparison
HDFC Ergo
Health Suraksha Individual
Silver
1 Lac to 3 Lacs
Change plan
Bajaj Allianz
Individual Health Insurance
Silver
1.5 Lakh to 2 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 months
Maximum Entry Age (Child)
21
30
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
144
130
No Pre-Policy Medical Tests Age
45
45
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 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
Optional
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Optional
Optional
Ambulance Charges (Rs.)
2000
20000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses
Not covered
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 base sum insured per annum, but:
The maximum cumulative increase in the Limit of Indemnity will be limited to 10 years and 100%
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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