Prime Active vs Prime Protect Health Insurance Plan
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| PLAN DETAILS |
 Prime Active |
Prime Protect |
| Premium Including GST | ||
| Sum Assured | 3L, 5L, 7.5L, 10L, 12.5L & 15L | 4L, 5L, 7.5L, 10L, 12.5L, 15L, 20L, 25L, 30L, 40L, 50L & 1Cr |
| Product Type | Individual & Multi-Individual | Individual and Family Floater |
| Key Features (Key features of the plan) |
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 |
Guaranteed Bonus Unlimited Tele-Consultation Unlimited Restoration of 10 L No Co-Pay Health Check-up from 1st Year Waives off one year renewal Policy Premium upon occurrence of Accidental Death or diagnosis of any of the listed Critical Illnesses |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | NA (Optional) |
| EMI Option | yes | yes |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Required | Required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private AC room | Single Private AC room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to Rs 100000/- | Up to Rs 100000 |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs. 10L | Upto Rs 1000000 |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs. 10L | Upto Rs 1000000 |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs. 10L | Upto Rs 1000000 |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Rs. 800/- per day (Max Upto Rs. 5600) | 800/- day and Max 5,600 (These are only available on shared accomodation) |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia and Obesity related conditions. For all other conditions - 24 months | 24 Months |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Rs 100000/- per year & max upto Rs 10L | (Guaranteed) Rs 2.5L per year upto Rs 20L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Unlimited Restoration of Sum Insured for unrelated illnesses | Unlimited (on related and unrelated illness & on partial exhaution) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs. 10L | Upto 1000000 |
| 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.) |
NA | Optional (Can be opted through enhance rider) |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
NA | Optional (Can be opted through enhance rider) |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Health Checkup is available once every 3 years on cashless basis only in Network of MCHI | Annually from 1st Year onwards |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | no |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No Available | Not Available |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Applicable | 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) |
No-Copay | No Co-Pay |
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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.
