Advantages of Maharaksha

• Hospitalization benefit
• Injury benefit
• Loss of life benefit
• Regular lifestyle benefit
• Guaranteed renewal or coverage up to age 75

Features

• Full cash benefit during accidents irrespective of the expenses occurred
• Coverage of plan up to the age of 75
• Claims are accepted even with other policy in existence
• No need of medical examination
• Round the clock coverage throughout
• Coverage accepted on all hospitals
• Coverage starts from age 18 to 75

Exclusions

• HIV AIDS
• Pre-existing illnesses
• Suicide
• Accidents under the influence of alcohol

The annual premium of Tata AIG Maharaksha starts from Rs. 1224 and above depending upon various factors like coverage, persons insured, additional benefits and riders.

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Plans Available

There are three types of plans available namely Silver, Gold and Platinum.  Apart from the varied sum assured for these various plans you can even get additional benefits and features depending upon the plan that you choose from.  The sum assured for the Silver plan are Rs. 2 lacs and Rs. 3 lacs.  For the gold plan, the sum assured ranges from Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs.  Finally for the Platinum plan the sum assured are Rs. 15 lakhs, Rs. 20 lakhs and Rs. 50 lakhs.

Benefits of Heartbeat Individual Health Plan

• Covers major day care procedures
• No TPA involved, all direct claim settlements
• Cashless facility at network hospitals
• No restriction of age for coverage with assured renewals
• Exclusive Relationship managers for better service
• Health relationship program for regular renewal of policy
• Pre and post hospitalization medical expenses covered

Among the Silver, Gold and Platinum plans there are certain restrictions and add-on benefits applicable.  Maternity (pregnancy) and child care benefits are all covered in all the three policies.  Even the child deliveries and newborn baby cover is included in this Heart Beat Individual Health Insurance plan.

Individual Platinum Policy Benefits

With the Max Bupa’s Heartbeat Individual Health Plan you get the following unique and best benefits on the Platinum Policy:

• All the benefits included in silver and gold policies are covered
• Vaccinations for the new born are covered
• Annual health checkups
• Individual relationship manager
• Outpatient benefits are covered for up to Rs. 20,000
• Cumulative benefits on renewal of policy
• Domiciliary treatment covered up to Rs. 20,000
• Private or Special room charges during inpatient hospitalization

Premium

As an example, the premium you need to pay for the Rs. 3 lakh policy (Silver Plan) is Rs. 4197 including all taxes for a 30 year old male.  Similarly for a 50 lakh Platinum plan the premium that you will need to pay is Rs. 46,917 annually.  For 10 lakhs it would be Rs. 9670 per annum.

You can buy this individual mediclaim policy online at the Max Bupa website just going through all the formalities including calculation of premium, proposal details, payment, etc.

Do all check out the Max Bupa Heartbeat Family First if you are looking for a family mediclaim policy.

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Features and Benefits

• Cashless facility in around 2300 network hospitals
• Pre hospitalization coverage of 30 days
• Post hospitalization coverage for 60 days
• No need for medical test for age up to 45.
• No TPA and hence faster claims
• Covers ambulance charges
• Pre-existing diseases will be covered after 4 years
• Free health check-up after 4 claim free years
• Discounts and waivers applicable owning to certain conditions
• Income tax benefits under section 80D

Coverage

The sum insured ranges from 1 lakh to 10 lakhs for ages 3 months to 55 years of age and 1 to 4 lakhs for 56 years to 65 years with the policy renewal option of up to 80 years.

The pre and post hospitalization coverage of the Individual Health Guard includes that of medicine cost, diagnostic tests, doctor’s consultation fees, etc.

Premium

The premium of this individual Bajaj Allianz Health Insurance plan ranges from Rs. 1400 to Rs. 23,708 for 1 lakh to 10 lacs coverage.  For an adult between 26 years to 40 years the annual premium for sum assured of Rs. 3 lakhs is Rs. 4430 which is excluding the service charges and tax.

Otherwise the claim procedures and exclusions for the Individual Health Guard from Bajaj Allianz are all that of the other health insurance plans of any other health insurance companies.  The other features and options available with this Individual health plan is very similar as well.  Hence weigh all the pros and cons including that of the premium rates and then go for it, else just stick with your existing mediclaim policy, if you already have one or do some research and go for the cheapest health insurance plan.

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Star Health Gain Insurance policy extends both outpatient and inpatient hospitalization expenses. It provides outpatient treatment benefits for individuals as well as for various family sizes. This policy does not provide compensation for the treatment cost of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy. It covers pre-existing diseases / illness after 48 months of continuous insurance.

Benefits of Star Health Gain Insurance:

• Low premium of just Rs 14,725 inclusive of Service Tax.
• Offers coverage for both inpatient and outpatient treatments.
• Offers excellent hospitalization coverage for inpatients.
• Provides a flat amount of Rs 14,725 only irrespective of the sum insured or age of the insured person or the number of persons covered in the policy.
• Enables to carry unutilized amount under outpatient benefit to the next one year.
• Offers excellent pre- and post-hospitalisation benefits.
• Provides excellent Tax benefits under Section 80D of the Income Tax Act.

The hospitalization cover of Star Health Gain Insurance includes in-patient hospitalization expenses, room/ boarding expenses, nursing charges, surgeon’s fees, consultant’s fees, anesthetist’s fees, cost of blood/ oxygen,  diagnostic expenses, cost of pacemakers, cost of drugs/ medicines, emergency ambulance charges, pre-hospitalization expenses, and post hospitalization expenses. The policy covers pre-hospitalization expenses up to 30 days preceding to the date of hospitalization.

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Most other benefits and features are very similar to that of the family floater policy of ICICI Lombard, this Health Advantage Plus varies is some of them like the outpatient treatment expenses, etc.  You get the triple benefit of hospitalization, OPD expenses as well as tax benefits in one single policy with this plan.

Benefits of Health Advantage Plus:

• Two adults can be insured via floater option
• Outpatient treatment expenses coverage
• Cashless hospitalization at around 3500+ member hospitals
• No need of medical check up for age up to 55 years
• Pre-existing disease coverage after 3 years of policy
• Tax benefit on the premium paid under section 80D
• Swine flu is covered
• Additional 5% sum assured for non-claim years

Coverage Details: Apart from the regular coverage, ICICI Lombard Health Advantage Plus has other benefits in coverage namely,

• 30 days pre and 60 days post hospitalization
• Coverage of swine flu/H1N1 under this special insurance plan
• Pre-existing disease coverage after 2 years
• Some of the procedures and conditions which don’t require 24 hours hospitalization yet it is being covered under heath this special Health Advantage Plus policy such as for example:  D&C, cataract, catheterization, tonsillectomy, chemotherapy, dialysis, eye surgery, angiography, etc.
• Outpatient cover for dental, orthopedic, pharmacy, general practitioner visits and more.

Exclusions:

• There are also certain exclusions or postponement of treatment on some of the disease for this Health Advantage Plus health insurance plan.  Like some of the conditions like cataract, BPH, hernia, fistula, D&C, dialysis, skin diseases, ulcers, septal deviation, etc. will be covered only from the 2nd year onwards.
• Pre-existing conditions will be covered after 2 years of renewal.
• Other regular permanent exclusions are applicable for this plan as well.

Premium and Plans:

The sum assured for the ICICI Health Advantage Plus fund are 2 lakhs and 3 lakhs.  And the premium varies according to the factors like age, floating option, either 1 or 2 members insured, etc.  The premium for this plan from ICICI Lombard is slightly higher than the conventional health insurance due to the factors, features and benefits mentioned above which mostly are not available at the regular health insurance plans in India.  So consider them and choose accordingly.

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ICICI Lombard Family Floater Plan does just that by insuring your entire family (of up to 4 members) in one plan.  Just like they say, “Poorey parivaar ki poori suraksha”.  Just like any other health insurance plans there are some exclusions, coverage conditions, eligibility etc for this family floater plan as well.

Coverage:

• Expenses owing to medical emergencies or hospitalization for inpatient stay for at least 24 hours which will include the doctor or surgeon fees, room charges, medicine bill, etc.
• Pre-existing disease coverage will start from 4 continuous years of policy renewal.
• Even swine flu/H1N1 influenza are all covered under this plan.
• Medical coverage of 30 days pre and 60 days post hospitalization

Benefits:

• Floater benefit for the entire family
• More than 4000+ hospital network for cashless claims
• In-house health claims settlement with ICICI Lombard Health Care (no TPA)
• Free health check-up coupon for one member of the family insured
• No sub-limits applicable on doctor fees, room rental, hospital charges, etc.
• There is absolutely no co-payment on any diseases or hospitalization charges
• Additional sum insured for every claim free year
• Auto-renewal of policy for 1 or 2 years
• No health checkups needed for up to the age of 55 years
• Tax benefits on the premium paid

Not Covered:

ICICI Lombard Family Floater Health Insurance does not cover any illnesses or diseases incurred within the 30 days of the start of the policy except in case of accident.  There are also some other diseases like cataract, (benign prostate hypertrophy) BPH, hysterectomy, hernia, fistula, arthritis, sinusitis, D&C, dialysis and much more are not covered for the first 2 years.

There is also some permanent exclusion this family floater policy, like for the non-allopathic treatment, HIV or AIDS, treatment arising from war, strike, nuclear weapons, etc.  Any pre-existing diseases will be covered after the fourth policy year on onwards for all the policy members after 4 years of the policy.

Plans and Premium:

There are three slabs available namely 2 lakhs, 3 lakhs and 4 lakhs and the premiums vary according to the plan chosen as well as the number of members in the family floater option.  Maximum 2 adults and 2 kids can be added in 1 plan and if more kids to be insured then a separate policy will need to be purchased.   You have the option of buying this health insurance plan online via ICICI Lombard website and also opt for the EMI option for the same, all done via online and no need for any documentations or health checkups needed.

This kind of family floater plans are an excellent option for all those looking to get the full coverage for the entire family members at lowest possible premium in terms of health insurance.

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Reliance Life Care For You Plan is one of the unique plans which not only covers your close relations like spouse, kids, parents but also covers the parents-in-laws.

What Reliance Life Care For You Plan Offers:

• Single sum assured for the entire family
• Cashless option across the country in 4000 hospitals
• Covers parents as well as in-laws
• Covering even day care treatment
• Benefit of covering maternity option
• No change in premium for 3 years
• 5% no claim bonus
• Family cover from Rs. 2 lakhs to 10 lakhs
• Eligibility is entry age of 18

Benefits of Care For You Plan:

• Maternity Benefit for the Family Floater Plan
• Reimbursement of medical expenses when admitted in hospital
• 150 Day Care treatments included
• Pre-existing diseases covered after 4 years
• Ambulance charges covered
• Pre and post hospitalization expenses covered
• Guaranteed renewal
• Fixed premium for 3 years
• Income tax benefit

Premium:

The premium amount varies according to the number of insurers in the family as well as the depending upon the riders chosen and the highest age of the insurer in the family.

Overall this plan although advertised as unique plan but looks and sounds like any other family floater plan from the major General insurance companies in India but the only difference being having the additional riders like the term insurance that can be chosen along with it as an option.  Hence if you are looking for a new health insurance plan but looking for riders like term insurance along with your health insurance go for this Reliance Life Care For You Plan, else just stick with any of the other health insurance plan offered by major general insurance company.

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