HDFC Ergo my: health Medisure Classic Individual - 1 Lac to 5 Lacs Vs Future Generali Future Health Suraksha Gold - 50000 to 5 Lakh Health Plan Comparison
HDFC Ergo
my: health Medisure Classic
Individual
1 Lac to 5 Lacs
Change plan
Future Generali
Future Health Suraksha
Gold
50000 to 5 Lakh
Change plan
Policy Tenures (Years)
1,2
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
Lifelong
Minimum Entry Age (Child)
3 months
90 day
Maximum Entry Age (Child)
23
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
All
130
No Pre-Policy Medical Tests Age
50
45
Room Rent
Not Covered
Actual Rent
ICU Rent
Not Covered
Actual Rent
Waiting Period for Pre-existing Diseases (months)
36
36
Waiting Period for Named Ailments (months)
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Actual expenses for Upto 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Waiting period of 48 months
Not Covered
Newborn Coverage
Actual expenses for 90days
Not Covered
Ambulance Charges (Rs.)
1500
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
5000when hospitalisation exceeds 10 continuous days or more
Health Check up
Covered , at the end of 4 continuous claim free years limited to 1% of average sum insured
Organ Donor Expenses
Not covered
Not covered
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25000
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
Cashless Hospital Network
6000 hospitals across India
4200 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
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