Care Advantage vs Prime Senior Classic Health Insurance Plan
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| PLAN DETAILS |
 Care Advantage |
 Prime Senior Classic |
| Premium Including GST | ||
| Sum Assured | 25L, 50L, & 1CR | 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L |
| Product Type | Individual and Family Floater | Individual/Multi-individual and Family Floater |
| Key Features (Key features of the plan) |
No Capping on Room Rent Offers high Sum Insured and affordable premiums Unlimited E-Consultations with General Physicians at networks Discount Connect - Discounts on services such as consultations-diagnostics maternity etc at networks Global Coverage could be optionally opted |
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI Unlimited Tele-consultation in a policy year including specialists Discount on Pharmacy - Diagnostics - Medical Devices - Health Supplements and other services offered by the network providers of MCHI Reduction in PED Waiting period to 90 Days (Optional) |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Optionally Covered | Not Available |
| EMI Option | yes | yes |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
NA | Not Required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered upto 100L | Single Private AC room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Available | Up to Rs 10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 30 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 60 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Covered upto 100L | Upto Rs. 10L |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs. 100L | Upto Rs. 10L |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs. 100L | Upto Rs. 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Available | Not Applicable |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
Covers after 4 years (Can Optionally be reduced to 2 years) | Covers after 24 Months |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
10% increase in SI for every claim free year & maximum upto 50% of SI | Rs 1L every claim free year & max Upto Rs 10L (Bonus will not reduce in case of claim) |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs. 100L (for unrealted & same illness and on partial exhaution) | Not Available |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered up to Rs. 100L | Upto Rs. 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Optional | Not Available |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Available | Not Available |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | Not Available |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Optional (can be opted Annually) | Once after every claim free year. Limits basis opted Sum Insured |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | no |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Available | Not Available |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Available | Not Available |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Available | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
20% (if entered at the age of 61 & above, however, it can be waived - optionally) | You pay 20% of claim |
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