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Religare Joy Tomorrow - 3 Lacs Vs New India Mediclaim Policy Individual - 3 Lacs and 4 Lacs Health Plan Comparison

Religare
Joy
Tomorrow
3 Lacs
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New India
Mediclaim Policy
Individual
3 Lacs and 4 Lacs
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Policy Tenures (Years)
1,2,3
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
1 day
3 months
Maximum Entry Age (Child)
24
18
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
170
73
OPD Benefit
No Pre-Policy Medical Tests Age
45
50
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
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 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
Waiting period of 24 months
Not Covered
Newborn Coverage
Rs. 30000 for 90days
Actual expenses for till expiry of current policy period
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1000
1% of Sum Assured
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
Organ Donor Expenses
Not covered
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses , Subject to Maximum of 25
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Co-payment
Cashless Hospital Network
5420 hospitals across India
1743 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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