Care Heart vs Prime Active Health Insurance Plan
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| PLAN DETAILS |
 Care Heart |
 Prime Active |
| Premium Including GST | ||
| Sum Assured | 3L, 5L, 7L & 10L | 3L, 5L, 7.5L, 10L, 12.5L & 15L |
| Product Type | Reimbursement Hospitalization and Cashless | Individual & Multi-Individual |
| Key Features (Key features of the plan) |
Lifelong Renewability,Auto Recharge if SA exhausts upto 100% 541 Day Care Treatment No Claim Based Loading 19000+ Network hospital covered |
Covers PED like Asthma - BP - Cholesterol - Diabetes & Obesity after 90 days Premium Waiver option Convalescence Benefit (Lump Sum benefit of 30000 per hospitalization for at least 10 consecutive days; applicable for SI 5 Lacs and above) Unlimited Restoration Unlimited Tele-consultation in a Policy Year HIV/AIDS & STD Cover |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not 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 | Required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private Room | Single Private AC room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to 100% of Sum Insured covered after 3 days | Up to Rs 100000/- |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 30 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 60 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto 2.5L | 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 10L & All Day Care treatment covered | Upto Rs. 10L |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
No | Upto Rs. 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
No | Rs. 800/- per day (Max Upto Rs. 5600) |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 2 years | 90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia and Obesity related conditions. For all other conditions - 24 months |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI | Rs 100000/- per year & max upto Rs 10L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs 10L (on unrelated illness & on partial exhaustion) | Unlimited Restoration of Sum Insured for unrelated illnesses |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Up to Rs 3,000/- | Upto Rs. 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
NA | NA |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | NA |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | NA |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Every year irrespective of claim to all members - Annual cardiac health Check-up | Health Checkup is available once every 3 years on cashless basis only in Network of MCHI |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | no |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No | No Available |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
No | Not Applicable |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
20% / 30% per claim | No-Copay |
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
