INSURER
Plan Name NCB Super Premium Star Comprehensive ProHealth Plus SB Optima Restore Health Companion Lifeline my Health Medisure
Basic Features Maternity No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims Upto Rs.20K for normal delivery; And Rs40k for Caesarean
Hospital Room Eligibility Single Private Room Single Standard AC Room Single Private Room Single Private Room Single Standard AC Room Single Private Room Upto 4k claim as per plan
Bonus on No Claim Incremental cover up to Rs 3.6 Lacs added for every claim-free year up to a cumulative maximum of Rs 9 Lacs in 5 years; reduction by Rs 3.6 Lacs if there is a claim Incremental cover up to Rs 2.5 Lacs added for every claim free year up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 2.5 Lacs if there is a claim Rs 55K for every claim free year up to a cumulative maximum of Rs 5.5 Lacs; reduction when a claim exceeds sum insured to utilize cumulative bonus; optional rider to raise bonus by 25% annually Incremental cover up to Rs 3.6 Lacs added for every claim-free year up to a cumulative maximum of Rs 9 Lacs in 5 years; reduction by Rs 3.6 Lacs if there is a claim Rs 1.25 Lacs added for 1st claim-free year, and Rs 50K added for next continuous year of no claim, up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 1.25 Lacs for the first year of claim followed by fall of additional Rs 50K for the next continuous claim Rs 27.5K for every claim free year up to a cumulative maximum of Rs 5.5 Lacs; reduction when a claim exceeds sum insured to utilize cumulative bonus; optional rider to raise bonus by 25% annually Rs 25 K added for every claim free year upto a cumulative maximum of Rs 2.5 Lac; drop by Rs 1 Lac if there is a claim upto minimum of Rs 0
Restoration of Cover Sum Insured will be reinstated for a non-related illness once a year if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year (max 3 times an year) Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year (max 3 times an year) Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for an accident hospitalization if the original sum insured + no claim bonus gets exhausted in a year
IN-PATIENT CARE After Hospitalization 180 Days Medical Expenses 180 Days Medical Expenses 180 Days Medical Expenses 60 Days Medical Expenses 90 Days Medical Expenses 90 Days Medical Expenses 60 Days Medical Expenses
Before Hospitalization 60 Days Medical Expenses 30 Days Medical Expenses 60 days Medical Expenses 30 Days Medical Expenses 60 Days Medical Expenses 60 Days Medical Expenses 30 Days Medical Expenses
Day Care Treatments Less than 24hours hospitalization covered Less than 24hours hospitalization covered Less than 24hours hospitalization covered ( but 171 list hospital ) Less than 24hours hospitalization covered Less than 24hours hospitalization covered Less than 24hours hospitalization covered Less than 24hours hospitalization covered
Hospitalization at Home Treatments done at home due to patient condition or unavailability of hospital bed are all covered upto Rs 60 K All covered upto sum insured All covered upto sum insured All covered upto sum insured All covered upto sum insured All covered upto sum insured All covered upto sum insured
Hospital Room Eligibility Single Private Room, as per plan Single Standard AC Room, as per plan Single Private Room, as per plan less than 24hours hospitalization covered Category Defile in Plan NO Sublimit on availing room Upto 4k claim as per plan
Share Claim Payments 20%payment mandatory at the time aged>60 year on 1st Policy 20%payment mandatory at the time aged>60 year on 1st Policy 20%payment mandatory at the time aged>65 year on 1st Policy NO Payment NO Payment NO Payment 10%payment mandatory at the time aged>80 year on 1st Policy
Alternate Medicine Coverage upto Rs 20 K for utilizing Ayurveda, unani or other alternate medicine, methods in government /accredited institutions Coverage upto Rs 15K for utilizing Ayurveda, unani or other alternate medicine method in government /accredited institutions No coverage ( Ayush medicine) No coverage ( Ayush medicine) Unlimited Coverage ( government /accredited institutions ) Coverage upto Rs 5 Lacs for utilizing Ayurveda, Unani or other alternate medicine methods in Govt. hospitals; Rs 30,000 in other accredited hospitals Coverage of upto Rs 25,000 for utilizing 28 listed Ayurveda treatments
Network Hospitals Covered 4900 hospitals, offer cashless 8200+ hospitals, offer cashless 5023 hospitals, offer cashless 4105 hospitals, offer cashless 474 hospitals that offer cashless hospitalization 4195 hospitals, offer cashless 6400+ hospitals, offer cashless
COVERAGE TERMS Bonus on No Claim Incremental cover up to Rs 3.6 Lacs added for every claim-free year up to a cumulative maximum of Rs 9 Lacs in 5 years; reduction by Rs 3.6 Lacs if there is a claim Rs 1.25 Lacs added for 1st claim-free year, and Rs 50K added for next continuous year of no claim, up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 1.25 Lacs for the first year of claim followed by fall of additional Rs 50K for the next continuous claim Rs 27.5K for every claim free year up to a cumulative maximum of Rs 5.5 Lacs; reduction when a claim exceeds sum insured to utilize cumulative bonus; optional rider to raise bonus by 25% annually Incremental cover up to Rs 2.5 Lacs added for every claim-free year up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 2.5 Lacs if there is a claim Incremental cover up to Rs 1 Lac added for every claim free year up to a cumulative maximum of Rs 5 Lacs; no reduction if there is a claim Incremental cover up to Rs 1 Lac added for every claim free year up to a cumulative maximum of Rs 5 Lacs; no reduction if there is a claim Rs 25 K added for every claim free year upto a cumulative maximum of Rs 2.5 Lac; drop by Rs 1 Lac if there is a claim upto minimum of Rs 0
Pre - existing conditions There is a waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase
Restoration of Cover Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year (max 3 times an year) Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for an accident hospitalization if the original sum insured + no claim bonus gets exhausted in a year
EMERGENCY COVERAGE Ambulance Charges Up to Rs 2000 Up to Rs 1,500 Up to Rs 2000 Up to Rs 2000 Up to Rs 2000 Up to Rs 5,000 Upto Rs 1500
Worldwide Emergency No coverage No coverage One time No coverage provided outside India even under emergency No coverage No coverage No coverage
Domestic Evacuation No Coverage Upto Rs 50000 for emergency air ambulance services within the country No Coverage No Coverage Upto Rs 3 K for emergency ambulance provided within India Upto Rs 100000 for emergency domestic evacuation for bed-to-bed transfer No Coverage
MATERNITY COVERS Maternity Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Upto Rs 20,000 for normal delivery; And Rs 40,000 for Caesarean; Waiting Period of 4 years before claim
WELLNESS BENEFITS Health checkups One time-Annually Up to Rs 1.5K permissible in a year Every 3 Year Upto Rs 2.5 K(Rs. 1.5 K for Individual) in 2 year 1st time 1st time Upto Rs 5 K per policy covered, once for every 4 continuous claim-free years
Doctor-on-call Service No Service No Service No Service No Service No Service No Service No Service
Health Assessment No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report
Wellness Factors Optional add on available This plan provides a free health magazine to all policyholders as well as facility to store all personal health records in electronic format Chronic Condition Management and other Health Initiatives offered along with monetary benefits to participate Complimentary access to a Health Assessment Report available No wellness-related facilities provided as part of this plan This plan provides access to a health portal as well as to a health maintenance network No wellness-related facilities provided as part of this plan

Good luck with selling Health Insurance.

For further assistance/information contact us

This is a general product description for a sum insured worth 5 lacs which should be used for educational purposes only. All offerings may change from case to case and time to time depending upon insurance company's discretion and customer's eligibility. These product comparisons are just for reference.

INSURER
Plan Name NCB Super Premium Star Comprehensive Pro Health Plus SB Optima Restore Health Companion Lifeline my health Medisure Classic
Basic Features Maternity No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims No Coverage for maternity Claims Upto Rs.20K for normal delivery; And Rs40k for Caesarean
Hospital Room Eligibility Single Private Room Single Standard AC Room Single Private Room Single Private Room Single Standard AC Room Single Private Room Upto 4k claim as per plan
Bonus on No Claim Incremental cover up to Rs 3.6 Lacs added for every claim-free year up to a cumulative maximum of Rs 9 Lacs in 5 years; reduction by Rs 3.6 Lacs if there is a claim Incremental cover up to Rs 2.5 Lacs added for every claim free year up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 2.5 Lacs if there is a claim Rs 55K for every claim free year up to a cumulative maximum of Rs 5.5 Lacs; reduction when a claim exceeds sum insured to utilize cumulative bonus; optional rider to raise bonus by 25% annually Incremental cover up to Rs 3.6 Lacs added for every claim-free year up to a cumulative maximum of Rs 9 Lacs in 5 years; reduction by Rs 3.6 Lacs if there is a claim Rs 1.25 Lacs added for 1st claim-free year, and Rs 50K added for next continuous year of no claim, up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 1.25 Lacs for the first year of claim followed by fall of additional Rs 50K for the next continuous claim Rs 27.5K for every claim free year up to a cumulative maximum of Rs 5.5 Lacs; reduction when a claim exceeds sum insured to utilize cumulative bonus; optional rider to raise bonus by 25% annually Rs 25 K added for every claim free year upto a cumulative maximum of Rs 2.5 Lac; drop by Rs 1 Lac if there is a claim upto minimum of Rs 0
Restoration of Cover Sum Insured will be reinstated for a non-related illness once a year if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year (max 3 times an year) Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year (max 3 times an year) Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for a non-related illness if the original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for an accident hospitalization if the original sum insured + no claim bonus gets exhausted in a year
IN-PATIENT CARE After Hospitalization 180 Days Medical Expenses 180 Days Medical Expenses 180 Days Medical Expenses 60 Days Medical Expenses 90 Days Medical Expenses 90 Days Medical Expenses 60 Days Medical Expenses
Before Hospitalization 60 Days Medical Expenses 30 Days Medical Expenses 60 days Medical Expenses 30 Days Medical Expenses 60 Days Medical Expenses 60 Days Medical Expenses 30 Days Medical Expenses
Day Care Treatments Less than 24hours hospitalization covered Less than 24hours hospitalization covered Less than 24hours hospitalization covered ( but 171 list hospital ) Less than 24hours hospitalization covered Less than 24hours hospitalization covered Less than 24hours hospitalization covered Less than 24hours hospitalization covered
Hospitalization at Home Treatments done at home due to patient condition or unavailability of hospital bed are all covered upto Rs 60 K All covered upto sum insured All covered upto sum insured All covered upto sum insured All covered upto sum insured All covered upto sum insured All covered upto sum insured
Hospital Room Eligibility Single Private Room, as per plan Single Standard AC Room, as per plan Single Private Room, as per plan less than 24hours hospitalization covered Category Defile in Plan NO Sublimit on availing room Upto 4k claim as per plan
Share Claim Payments 20%payment mandatory at the time aged>60 year on 1st Policy 20%payment mandatory at the time aged>60 year on 1st Policy 20%payment mandatory at the time aged>65 year on 1st Policy NO Payment NO Payment NO Payment 10%payment mandatory at the time aged>80 year on 1st Policy
Alternate Medicine Coverage upto Rs 20 K for utilizing Ayurveda, unani or other alternate medicine, methods in government /accredited institutions Coverage upto Rs 15K for utilizing Ayurveda, unani or other alternate medicine method in government /accredited institutions No coverage ( Ayush medicine) No coverage ( Ayush medicine) Unlimited Coverage ( government /accredited institutions ) Coverage upto Rs 5 Lacs for utilizing Ayurveda, Unani or other alternate medicine methods in Govt. hospitals; Rs 30,000 in other accredited hospitals Coverage of upto Rs 25,000 for utilizing 28 listed Ayurveda treatments
Network Hospitals Covered 4900 hospitals, offer cashless 8200+ hospitals, offer cashless 5023 hospitals, offer cashless 4105 hospitals, offer cashless 474 hospitals that offer cashless hospitalization 4195 hospitals, offer cashless 6400+ hospitals, offer cashless
COVERAGE TERMS Bonus on No Claim Incremental cover up to Rs 3.6 Lacs added for every claim-free year up to a cumulative maximum of Rs 9 Lacs in 5 years; reduction by Rs 3.6 Lacs if there is a claim Rs 1.25 Lacs added for 1st claim-free year, and Rs 50K added for next continuous year of no claim, up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 1.25 Lacs for the first year of claim followed by fall of additional Rs 50K for the next continuous claim Rs 27.5K for every claim free year up to a cumulative maximum of Rs 5.5 Lacs; reduction when a claim exceeds sum insured to utilize cumulative bonus; optional rider to raise bonus by 25% annually Incremental cover up to Rs 2.5 Lacs added for every claim-free year up to a cumulative maximum of Rs 5 Lacs; reduction by Rs 2.5 Lacs if there is a claim Incremental cover up to Rs 1 Lac added for every claim free year up to a cumulative maximum of Rs 5 Lacs; no reduction if there is a claim Incremental cover up to Rs 1 Lac added for every claim free year up to a cumulative maximum of Rs 5 Lacs; no reduction if there is a claim Rs 25 K added for every claim free year upto a cumulative maximum of Rs 2.5 Lac; drop by Rs 1 Lac if there is a claim upto minimum of Rs 0
Pre - existing conditions There is a waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 4 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase There is a waiting period of 3 years for coverage on conditions declared and existing at the time of first purchase
Restoration of Cover Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year (max 3 times an year) Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year Original sum insured + no claim bonus gets exhausted in a year Sum Insured will be reinstated for an accident hospitalization if the original sum insured + no claim bonus gets exhausted in a year
EMERGENCY COVERAGE Ambulance Charges Up to Rs 2000 Up to Rs 1,500 Up to Rs 2000 Up to Rs 2000 Up to Rs 2000 Up to Rs 5,000 Upto Rs 1500
Worldwide Emergency No coverage No coverage One time No coverage provided outside India even under emergency No coverage No coverage No coverage
Domestic Evacuation No Coverage Upto Rs 50000 for emergency air ambulance services within the country No Coverage No Coverage Upto Rs 3 K for emergency ambulance provided within India Upto Rs 100000 for emergency domestic evacuation for bed-to-bed transfer No Coverage
MATERNITY COVERS Maternity Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Not coverage for maternity claims Upto Rs 20,000 for normal delivery; And Rs 40,000 for Caesarean; Waiting Period of 4 years before claim
WELLNESS BENEFITS Health checkups One time-Annually Up to Rs 1.5K permissible in a year Every 3 Year Upto Rs 2.5 K(Rs. 1.5 K for Individual) in 2 year 1st time 1st time Upto Rs 5 K per policy covered, once for every 4 continuous claim-free years
Doctor-on-call Service No Service No Service No Service No Service No Service No Service No Service
Health Assessment No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report No Health Assessment Report
Wellness Factors Optional add on available This plan provides a free health magazine to all policyholders as well as facility to store all personal health records in electronic format Chronic Condition Management and other Health Initiatives offered along with monetary benefits to participate Complimentary access to a Health Assessment Report available No wellness-related facilities provided as part of this plan This plan provides access to a health portal as well as to a health maintenance network No wellness-related facilities provided as part of this plan

Good luck with selling Health Insurance.

For further assistance/information contact us

This is a general product description for a sum insured worth 5 lacs which should be used for educational purposes only. All offerings may change from case to case and time to time depending upon insurance company's discretion and customer's eligibility. These product comparisons are just for reference.