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New India Mediclaim Policy Individual - 3 Lacs and 4 Lacs Vs Star Health Star Comprehensive Policy Family Floater - 10 Lakh Health Plan Comparison

New India
Mediclaim Policy
Individual
3 Lacs and 4 Lacs
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Star Health
Star Comprehensive Policy
Family Floater
10 Lakh
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Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
3 months
3 Month
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
405
OPD Benefit
10000
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 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Not Covered
Domiciliary Treatment
Not Covered
Actual expenses
Maternity Expenses
Not Covered
Waiting period of 36 months
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
3500
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 , Up to 7,500/- once in a block of every 3 claim free years of continuous renewal
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Not covered
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Covered
Cumulative Bonus
Yes, claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed
Co-payment
10% of Sum Assured , 10% of each and every claim made by insured person
Cashless Hospital Network
1743 hospitals across India
6000 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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