Health Companion vs Prime Senior Elite Health Insurance Plan
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| PLAN DETAILS |
 Health Companion |
 Prime Senior Elite |
| Premium Including GST | ||
| Sum Assured | 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr | 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L |
| Product Type | Individual & Family Floater | Individual/Multi-individual and Family Floater |
| Key Features (Key features of the plan) |
No Max Age Limit Animal Bite Cover AYUSH treatment covered up to Sum Insured Cover All day care procedures No Room Rent Capping Air Ambulance available Upto 2.5Lakh Co-payment is not applicable |
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) |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | 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) |
Required | Not required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Actual - No capping on room rent | Single Private AC room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Upto sum insured | Up to Rs 10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs 10L | 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) |
Upto Rs 10L | Upto Rs. 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
No | INR 800 per day up to maximum of INR 5600 per hospitalization (On Shared Accomodation) |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 3 year | Covers after 24 Months |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Increase of base sum assure from 20% to 100% | Guaranteed Bonus of Rs 1L Or max Upto Rs 10L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs 10L (Applicable for both same & different illness) | Unlimited Restoration of Sum Insured for unrelated/ related illnesses |
| Ambulance Charges (Expenses incurred on ambulance charges) |
up to INR 2,000 per hospitalisation | Upto Rs. 10L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Applicable | Not Available |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Applicable | Not Available |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Applicable | Not Available |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Once in a year from day 1, up to INR 500 for every INR 1 Lakh Base Sum Insured, Individual-Max. 5000 Per insured members, Floater-Max. 10000 per policy | Annually from 1st year onwards. Limits basis opted Sum Insured |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
yes | no |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
No | Not Available |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Up to INR 5,000 (Only Vaccination) | Not Available |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
No Co-Pay | You pay 20% of claim |
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