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New India Mediclaim Policy Individual - 5 Lacs to 15 Lacs Vs National Insurance National Mediclaim Plus Plan B - 15,20 & 25 Lakh Health Plan Comparison

New India
Mediclaim Policy
Individual
5 Lacs to 15 Lacs
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National Insurance
National Mediclaim Plus
Plan B
15,20 & 25 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
18
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
73
140
OPD Benefit
No Pre-Policy Medical Tests Age
50
45
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 24 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
4000
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 , Every 2 yrs., up to INR 2,000
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Actual expenses , Subject to Maximum of 25
Actual expenses , Subject to Maximum of 25
Second Opinion
Not covered
Covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, Increase in SI by 5% of SI (excluding CB) per year up to 50% of SI (excluding CB)
Co-payment
20% of Sum Assured , 20% of admissible claim if treatment taken in non-
Cashless Hospital Network
1743 hospitals across India
No Cashless Treatment
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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