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Kotak General Insurance Kotak Health Care Family Floater Premium - 5 & 10 Lakh Vs SBI General Arogya Premier Family Floater - 10 to 30 Lakh Health Plan Comparison

Kotak General Insurance
Kotak Health Care Family Floater
Premium
5 & 10 Lakh
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SBI General
Arogya Premier
Family Floater
10 to 30 Lakh
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Policy Tenures (Years)
1,2,3
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
91 days
3 Month
Maximum Entry Age (Child)
25
23
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
0
Fully Covered
No. of Day Care Treatments Covered
149
142
OPD Benefit
No Pre-Policy Medical Tests Age
50
56
Room Rent
Not Covered
Actual Rent
ICU Rent
Not Covered
Actual Rent
Waiting Period for Pre-existing Diseases (months)
30
30
Waiting Period for Named Ailments (months)
24
24
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
Not Covered
Actual expenses
Maternity Expenses
Waiting period of 36 months
Waiting period of 9 months
Newborn Coverage
Actual expenses for 90
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1500
100000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Free Health Check-up
Covered , Up to INR.5000/- per Insured, after each 4 consecutive claim free years of policy renewed continuously
Organ Donor Expenses
Not covered
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% on your Base Annual Sum Insured on renewal of this Policy, provided there has been no claim throughout the policy period up to a maximum of 50% of Base Annual Sum Insured.
Yes, 10% of the Sum Insured for every claim free renewal which can be accumulated maximum up to 50%
Co-payment
Cashless Hospital Network
4000 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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