Kotak General Insurance Kotak Secure Shield Individual - 5 & 10 Lakh Vs SBI General Health Insurance Individual - 1 to 5 Lakh Health Plan Comparison
Kotak General Insurance
Kotak Secure Shield
Individual
5 & 10 Lakh
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SBI General
Health Insurance
Individual
1 to 5 Lakh
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Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
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
All
142
No Pre-Policy Medical Tests Age
Compulsory for all ages
46
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 48 days
Not Covered
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Not Covered
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Ambulance Charges (Rs.)
Not Covered
1% of Sum Insured per Policy period up to a maximu
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered , 1% of SI up to a max of Rs. 2500 for every 4 claim free years.
Organ Donor Expenses
Not covered
Actual expenses
Ayurvedic Treatment
Not covered
15% of Sum Assured , Subject to Maximum of 20000
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, Increasing the Sum Insured by 5%. The maximum cumulative bonus shall not exceed 25% of the Sum Insured in any policy year
Co-payment
10% of Sum Assured
Cashless Hospital Network
No Cashless Treatment
No Cashless Treatment
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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