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IFFCO Tokio Individual Medishield - 1 Lakh to 5Lakh Vs National Insurance National Mediclaim Plus Family Floater Plan B - 15,20 & 25 Lakh Health Plan Comparison

IFFCO Tokio
Individual Medishield
 
1 Lakh to 5Lakh
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National Insurance
National Mediclaim Plus Family Floater
Plan B
15,20 & 25 Lakh
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Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
80
65
Minimum Entry Age (Child)
91 days
3 Month
Maximum Entry Age (Child)
5
18
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Actual
Fully Covered
No. of Day Care Treatments Covered
121
140
OPD Benefit
No Pre-Policy Medical Tests Age
46
45
Room Rent
Not Covered
Not Covered
ICU Rent
Not Covered
Not Covered
Waiting Period for Pre-existing Diseases (months)
36
36
Waiting Period for Named Ailments (months)
30
30
Pre-hospitalisation Expenses
Actual expenses for Upto 60 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
Not Covered
Waiting period of 24 months
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1.0% of the Basic Sum Insured or Rupees 1500/- whi
4000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 1% of the average Basic Sum Insured during the block of four claim free policies
Covered , Every 2 yrs., up to INR 2,000
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses
Actual expenses
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 5% of the Basic Sum Insured at each renewal in respect of each claim free year of insurance, subject to maximum of 50% of the Insured Person‘s Basic Sum Insured of the expiring Policy
Yes, Increase in SI by 5% of SI (excluding CB) per year up to 50% of SI (excluding CB)
Co-payment
20% of Sum Assured , 20% of admissible claim if treatment taken in non-
Cashless Hospital Network
4000 hospitals across India
No Cashless Treatment
Free Look Period
15 days
15 days
Grace Period
0 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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