New India Mediclaim Policy Individual - 5 Lacs to 15 Lacs Vs IFFCO Tokio Swasthya Kavach Base Plan - 2 to 5 Lakh Health Plan Comparison
New India
Mediclaim Policy
Individual
5 Lacs to 15 Lacs
Change plan
IFFCO Tokio
Swasthya Kavach
Base Plan
2 to 5 Lakh
Change plan
Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
60
Minimum Entry Age (Child)
3 months
91 days
Maximum Entry Age (Child)
18
23
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
73
121
No Pre-Policy Medical Tests Age
50
46
Room Rent
Not Covered
Not Covered
ICU Rent
Not Covered
Not Covered
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
Not Covered
Maternity Expenses
Optional
Not Covered
Newborn Coverage
Actual expenses for till expiry of current policy period
Not Covered
Ambulance Charges (Rs.)
1% of Sum Assured
Not Covered
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
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cashless Hospital Network
1743 hospitals across India
4000 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
0 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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