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Max Bupa Heartbeat Health Insurance Family Floater - Platinum - 50 Lakh Vs United India Family Medicare 2014 Family Floater - 2 to 10 Lakh Health Plan Comparison

Max Bupa
Heartbeat Health Insurance
Family Floater - Platinum
50 Lakh
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United India
Family Medicare 2014
Family Floater
2 to 10 Lakh
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Policy Tenures (Years)
1,2
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
100
80
Minimum Entry Age (Child)
91 days
3 Month
Maximum Entry Age (Child)
21
18
Maximum Renewal Age
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
All
All
OPD Benefit
35000
No Pre-Policy Medical Tests Age
Compulsory for all ages
Compulsory for all ages
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 60 days
Not Covered
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Not Covered
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Waiting period of 24 months
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
Not Covered
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Annually covered up to 5,000 per insured person
Covered , once at the end of three consecutive claim free years up to 1% of the average Sum Insured during the preceding three policy periods
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses
Actual expenses
Second Opinion
Covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% of base Sum Insured per annum maximum up to 100% of base Sum Insured
Co-payment
% of Sum Assured , Options of 10% and 20% co-payment
Cashless Hospital Network
3500 hospitals across India
7000 hospitals across India
Free Look Period
15 days
15 days
Grace Period
0 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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