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IFFCO Tokio Swasthya Kavach Wider Plan - 2 to 5 Lakh Vs Magma HDI One Health Support Plus - 2 & 3 Lakh Health Plan Comparison

IFFCO Tokio
Swasthya Kavach
Wider Plan
2 to 5 Lakh
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Magma HDI
One Health
Support Plus
2 & 3 Lakh
Change plan
Policy Tenures (Years)
1
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
60
65
Minimum Entry Age (Child)
91 days
91 days
Maximum Entry Age (Child)
23
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Actual
0
No. of Day Care Treatments Covered
121
541
OPD Benefit
No Pre-Policy Medical Tests Age
46
Compulsory for all ages
Room Rent
Not Covered
Not Covered
ICU Rent
Not Covered
Not Covered
Waiting Period for Pre-existing Diseases (months)
0
0
Waiting Period for Named Ailments (months)
0
0
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
Actual expenses
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Ambulance Charges (Rs.)
Not Covered
5000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Once at the end of 4 claim free years block @ 1.0% of average Basic Sum Insured.
Covered , Free Health check up-Annual
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
50% of Sum Assured
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Covered
Cumulative Bonus
Yes, 5% is granted per claim free year on renewal, subject to maximum 50% of Basic Sum Insured
Yes, 10% of Sum Insured, subject to a maximum of 100%
Co-payment
% of Sum Assured , Option to choose 10% or 20% and 20% is mandatory i
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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