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ICICI Lombard Complete Health Insurance Family Floater - 15,20,30 & 50 Lakh Vs IFFCO Tokio Swasthya Kavach Wider Plan - 2 to 5 Lakh Health Plan Comparison

ICICI Lombard
Complete Health Insurance
Family Floater
15,20,30 & 50 Lakh
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IFFCO Tokio
Swasthya Kavach
Wider Plan
2 to 5 Lakh
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Policy Tenures (Years)
1,2
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
100
60
Minimum Entry Age (Child)
3 Month
91 days
Maximum Entry Age (Child)
20
23
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Actual
Actual
No. of Day Care Treatments Covered
150
121
OPD Benefit
No Pre-Policy Medical Tests Age
46
46
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
Waiting Period for Pre-existing Diseases (months)
24
24
Waiting Period for Named Ailments (months)
24
24
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Actual expenses for Upto 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Optional
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1500
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year
Covered , Once at the end of 4 claim free years block @ 1.0% of average Basic Sum Insured.
Organ Donor Expenses
Not covered
Actual expenses
Ayurvedic Treatment
Actual expenses
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% of Annual Sum Insured provided on each renewal for every claim-free year up to a maximum of 50%
Yes, 5% is granted per claim free year on renewal, subject to maximum 50% of Basic Sum Insured
Co-payment
Cashless Hospital Network
4500 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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