Prime Senior Elite vs Young Star Silver Health Insurance Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Prime Senior Elite |
 Young Star Silver |
| Premium Including GST | ||
| Sum Assured | 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L | 3L, 4L, 5L, 10L, 15L, 20L & 25L |
| Product Type | Individual/Multi-individual and Family Floater | Reimbursement Hospitalization and Cashless |
| Key Features (Key features of the plan) |
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI Unlimited Restoration of Sum Insured for unrelated/ related illnesses 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 Waives off next one year renewal Policy Premium upon occurrence of Accidental Death or diagnosis of any of the listed Critical Illnesses Reduction in PED Waiting period to 90 Days (Optional) |
Covers PED and Slow Growing diseases just after 1 year Offers Early Bird discount - If this policy is availed before the age of 36 years Additional Basic Sum Insured for Road Traffic Accident - SI shall be increased by 25% subject to a maximum of INR 10 Lacs Automatic Restoration upto 100% of SI E-Medical Opinion |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | Not Available |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not required | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private AC room | Single private A/c room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to Rs 10L | Not Available |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
90 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs. 10L | Not Covered |
| 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 |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs. 10L | Not Applicable |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
INR 800 per day up to maximum of INR 5600 per hospitalization (On Shared Accomodation) | Not Available |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
Covers after 24 Months | After 1 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Guaranteed Bonus of Rs 1L Or max Upto Rs 10L | Rs 2L of the Sum Insured upto Rs 10L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Unlimited Restoration of Sum Insured for unrelated/ related illnesses | Upto Rs 10L on partial and full exhortation |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs. 10L | Upto 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Available | NA |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Available | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | No |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Annually from 1st year onwards. Limits basis opted Sum Insured | Available every year irrespective of the claim |
| 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 | No |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Available | 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) |
You pay 20% of claim | No Co-Pay |
Trouble connecting with an insurance company?
Contact PolicyX.comCall at our toll-free number 1800-4200-269Email: helpdesk@policyx.com
We are happy to help.
See More Health Insurance Articles
See More Health Insurance Articles
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.
