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New India Mediclaim Policy Individual - 5 Lacs to 15 Lacs Vs Tata AIG MediRaksha Individual - 50000 Health Plan Comparison

New India
Mediclaim Policy
Individual
5 Lacs to 15 Lacs
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Tata AIG
MediRaksha
Individual
50000
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Policy Tenures (Years)
1
1,2
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
21
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
73
144
OPD Benefit
No Pre-Policy Medical Tests Age
50
56
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
Not Covered
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
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1% of Sum Assured
Not Covered
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 , 1% of the Sum Insured in the fourth year Policy subject to a maximum of Rs. 1,000 per Insured Person only once at the end of a block of every continuous four claim free years during which You have been insured with Us
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
Cumulative Bonus
Co-payment
15% of Sum Assured , 15%, on each and every claim under this policy
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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