SBI General Health Insurance Individual - 1 to 5 Lakh Vs Tata AIG MediSenior Family Floater - 2 Lakh to 5 Lakh Health Plan Comparison
SBI General
Health Insurance
Individual
1 to 5 Lakh
Change plan
Tata AIG
MediSenior
Family Floater
2 Lakh to 5 Lakh
Change plan
Policy Tenures (Years)
1
1,2
Minimum Entry Age (Adult)
18
61
Maximum Entry Age (Adult)
65
99
Minimum Entry Age (Child)
3 Month
0
Maximum Entry Age (Child)
23
0
Maximum Renewal Age
Lifelong
0
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
142
140
No Pre-Policy Medical Tests Age
46
Compulsory for all ages
Room Rent
Not Covered
Actual Rent
ICU Rent
Not Covered
Actual Rent
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
36
36
Pre-hospitalisation Expenses
Not Covered
Actual expenses for Upto 30 days
Post-hospitalisation Expenses
Not Covered
Actual expenses for Upto 60 days
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Ambulance Charges (Rs.)
1% of Sum Insured per Policy period up to a maximu
2000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered , 1% of SI up to a max of Rs. 2500 for every 4 claim free years.
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
15% of Sum Assured , Subject to Maximum of 20000
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, Increasing the Sum Insured by 5%. The maximum cumulative bonus shall not exceed 25% of the Sum Insured in any policy year
Co-payment
10% of Sum Assured
Cashless Hospital Network
No Cashless Treatment
No Cashless Treatment
Free Look Period
15 days
15 days
Grace Period
0 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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