New India Mediclaim Policy Individual - 1 Lac and 2 Lacs Vs ICICI Lombard Complete Health Insurance Family Floater - 7 & 10 Lakh Health Plan Comparison
New India
Mediclaim Policy
Individual
1 Lac and 2 Lacs
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ICICI Lombard
Complete Health Insurance
Family Floater
7 & 10 Lakh
Change plan
Policy Tenures (Years)
1
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
100
Minimum Entry Age (Child)
3 months
3 Month
Maximum Entry Age (Child)
18
20
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
73
150
No Pre-Policy Medical Tests Age
50
100
Room Rent
Not Covered
Actual Rent
ICU Rent
Not Covered
Actual Rent
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
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
Not Covered
Maternity Expenses
Not Covered
Optional
Newborn Coverage
Actual expenses for till expiry of current policy period
Not Covered
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1% of Sum Assured
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered , 5000 or 1% of average sum insured at the end of block of every 3 claim free years
Covered , The coupons would be provided to each Insured for every policy year, subject to a maximum of 2 coupons per year
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Actual expenses , Subject to Maximum of 25
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% of Annual Sum Insured provided on each renewal for every claim-free year up to a maximum of 50%
Cashless Hospital Network
1743 hospitals across India
4500 hospitals across India
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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