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New India Mediclaim Policy Individual - 5 Lacs to 15 Lacs Vs Kotak General Insurance Kotak Health Care Family Floater Premium - 15, 20 & 25 Lakh Health Plan Comparison

New India
Mediclaim Policy
Individual
5 Lacs to 15 Lacs
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Kotak General Insurance
Kotak Health Care Family Floater
Premium
15, 20 & 25 Lakh
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Policy Tenures (Years)
1
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
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
0
No. of Day Care Treatments Covered
73
149
OPD Benefit
No Pre-Policy Medical Tests Age
50
36
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
Actual expenses for Upto 60 days
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Optional
Waiting period of 36 months
Newborn Coverage
Actual expenses for till expiry of current policy period
Actual expenses for 90
Recharge of Sum Assured
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1% of Sum Assured
1500
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 , Free Health Check-up
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 10% on your Base Annual Sum Insured on renewal of this Policy, provided there has been no claim throughout the policy period up to a maximum of 50% of Base Annual Sum Insured.
Co-payment
Cashless Hospital Network
1743 hospitals across India
4000 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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