Care Heart vs Comprehensive Individual Health Insurance Plan
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| PLAN DETAILS |
 Care Heart |
 Comprehensive Individual |
| Premium Including GST | ||
| Sum Assured | 3L, 5L, 7L & 10L | 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L & 1Cr |
| Product Type | Reimbursement Hospitalization and Cashless | Reimbursement Hospitalization and Cashless |
| 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 |
Automatic Restoration – 100% Available No claim bonus Hospital cash benefit Cover against accidental death and permanent total disablement Health checkup for every claim-free year Wellness program – earn wellness reward Option available to buy back pre-existing disease |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | 300 Per Consultation & overall limit 2100/- |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
NA | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private Room | Private Single Standard A/C |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to 100% of Sum Insured covered after 3 days | Upto Rs. 10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto 2.5L | Rs.15k for Ayush Treatment |
| 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 10L & All Day Care Treatment Covered |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
No | Applicable |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
No | 750/- per day |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 2 years | After 3 years, Can get reduced to 1 year on additional premium payment |
| 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 10L per year 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) | Upto Rs 10L (on related and unrelated illness & on full exhaustion) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Up to Rs 3,000/- | Yes |
| 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 | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | No |
| 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 | Given after every claim free year (limit varies as per Sum Insured) |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No | Yes |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
No | NA |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
20% / 30% per claim | You pay 10% of claim |
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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.
