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Religare Joy Tomorrow - 5 Lacs Vs HDFC Ergo my: health Medisure Classic Family Floater - 2 Lacs to 5 Lacs Health Plan Comparison

Religare
Joy
Tomorrow
5 Lacs
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HDFC Ergo
my: health Medisure Classic
Family Floater
2 Lacs to 5 Lacs
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Policy Tenures (Years)
1,2,3
1,2
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
Lifelong
Minimum Entry Age (Child)
1 day
3 months
Maximum Entry Age (Child)
24
23
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
170
All
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
Actual expenses
Maternity Expenses
Waiting period of 24 months
Waiting period of 48 months
Newborn Coverage
Rs. 50000 for 90days
Actual expenses for 90days
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1000
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
5000when hospitalisation exceeds 10 continuous days or more
Health Check up
Covered , at the end of 4 continuous claim free years limited to 1% of average sum insured
Organ Donor Expenses
Not covered
Not covered
Ayurvedic Treatment
Not covered
Actual expenses , Subject to Maximum of 25000
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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