New India Mediclaim Policy Individual - 3 Lacs and 4 Lacs Vs Star Health Family Health Optima Family Floater - 25 Lakh Health Plan Comparison
New India
Mediclaim Policy
Individual
3 Lacs and 4 Lacs
Change plan
Star Health
Family Health Optima
Family Floater
25 Lakh
Change plan
Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 months
16 days
Maximum Entry Age (Child)
18
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
73
All
No Pre-Policy Medical Tests Age
50
51
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
Not Covered
Newborn Coverage
Actual expenses for till expiry of current policy period
Not Covered
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 , benefit payable up to in Rs.3500/- available after every claim free year per policy
Organ Donor Expenses
Actual expenses
10% of Sum Assured , Subject to Maximum of 100000
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Rs. 20000
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 25% of Sum Insured after first year if claim free and additional 10% for the subsequent years
Co-payment
20% of Sum Assured , 20% of each and every claim amount for fresh as we
Cashless Hospital Network
1743 hospitals across India
8400 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
120 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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