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Religare Joy Today - 3 Lacs Vs HDFC Ergo Health Suraksha Individual Gold - 7.5 Lacs to 50 Lacs Health Plan Comparison

Religare
Joy
Today
3 Lacs
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HDFC Ergo
Health Suraksha Individual
Gold
7.5 Lacs to 50 Lacs
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Policy Tenures (Years)
3
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
Lifelong
Minimum Entry Age (Child)
1 day
91 days
Maximum Entry Age (Child)
24
21
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
170
144
OPD Benefit
No Pre-Policy Medical Tests Age
45
17
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
24
24
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Actual expenses for Upto 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Not Covered
Actual expenses
Maternity Expenses
Waiting period of 9 months
Waiting period of 48 months
Newborn Coverage
Rs. 30000 for 90days
Not Covered
Recharge of Sum Assured
Optional
Hospital Cash Benefit
Optional
Ambulance Charges (Rs.)
1000
3500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered
Organ Donor Expenses
Not covered
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 5% on every renewal, for every claim-free year, subject to maximum accumulation of 50% of sum insured
Co-payment
Cashless Hospital Network
5420 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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