Care Heart vs Mediclassic Individual - Gold Health Insurance Plan
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| PLAN DETAILS |
 Care Heart |
 Mediclassic Individual - Gold |
| Premium Including GST | ||
| Sum Assured | 3L, 5L, 7L & 10L | 3L, 4L, 5L, 10L & 15L |
| 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 upto 200% Addition Cover for RTA Covers Psychiatric and Psychosomatic Disorder (after 2 years) Covers Non Allopathic Treatment. |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Applicable |
| EMI Option | yes | no |
| 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 | Covered upto 10L |
| 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 25000/policy period |
| 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 & 101 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 | Upto Rs 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
No | Optional as riders |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 2 years | After 4 Years |
| 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 | 20% Per year - upto 100% |
| 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 20L (on unrelated illness & on full exhaustion) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Up to Rs 3,000/- | Upto Rs 2,000/- per hospitalization |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
NA | Not Applicable |
|
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 | Yes |
| 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 | Payable on renewal Rs 2500/- |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No | Not Applicable |
| 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 | 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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