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New India Mediclaim Policy Individual - 1 Lac and 2 Lacs Vs Max Bupa Heartbeat Health Insurance Individual - Platinum - 20 Lakh Health Plan Comparison

New India
Mediclaim Policy
Individual
1 Lac and 2 Lacs
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Max Bupa
Heartbeat Health Insurance
Individual - Platinum
20 Lakh
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Policy Tenures (Years)
1
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
100
Minimum Entry Age (Child)
3 months
91 days
Maximum Entry Age (Child)
18
21
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
73
All
OPD Benefit
20000
No Pre-Policy Medical Tests Age
50
Compulsory for all ages
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 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
Not Covered
Waiting period of 24 months
Newborn Coverage
Actual expenses for till expiry of current policy period
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1% of Sum Assured
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 5000 or 1% of average sum insured at the end of block of every 3 claim free years
Covered , Annually covered up to 5,000 per insured person
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Actual expenses , Subject to Maximum of 25
Second Opinion
Not covered
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
1743 hospitals across India
3500 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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