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New India Mediclaim Policy Individual - 3 Lacs and 4 Lacs Vs Royal Sundaram Family Plus Individual Sum Insured - 2 Lakh to 15 Lakh Health Plan Comparison

New India
Mediclaim Policy
Individual
3 Lacs and 4 Lacs
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Royal Sundaram
Family Plus
Individual Sum Insured
2 Lakh to 15 Lakh
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Policy Tenures (Years)
1
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
lifelong
Minimum Entry Age (Child)
3 months
91 days
Maximum Entry Age (Child)
18
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
73
147
OPD Benefit
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
Not Covered
Maternity Expenses
Not Covered
Optional
Newborn Coverage
Actual expenses for till expiry of current policy period
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1% of Sum Assured
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
4000
Recovery Benefit
Health Check up
Covered , 5000 or 1% of average sum insured at the end of block of every 3 claim free years
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
Co-payment
Cashless Hospital Network
1743 hospitals across India
3000 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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