Health Companion vs Reassure 2.0 Platinum Plus - Direct Health Insurance Plan
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| PLAN DETAILS |
 Health Companion |
Reassure 2.0 Platinum Plus - Direct |
| Premium Including GST | ||
| Sum Assured | 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr | 5, 10, 15, 20, 25, 50 Lacs & 1Cr |
| Product Type | Individual & Family Floater | Individual & 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 |
Unlimited Automatic Restoration,Unlimited E-Consultations Wellness Benefit: Earn up to 30% Discount on Renewal,Guaranteed Carry Forward of the unused Sum Insured Reassure Forever Premium will not increase till the age you don't claim |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | Optional (Through Acute Care rider) |
| 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 | Any Room (Covered up to Rs 10 L) |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Upto sum insured | Covered up to Rs 10 L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs 10L | Covered up to Rs 10 L |
| 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 | Covered up to Rs 10 L(All Day Care Procedures) |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs 10L | Covered up to Rs 10 L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
No | INR 800 per day,Maximum INR 4,800 , Note: On Shared Accommodation |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 3 year | Covers after 3 years |
| 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 Booster +) 5X: Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 10 times of Base Sum Insured. |
| 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) | Available for unlimited times upto Rs 10L for unrelated or same illness |
| Ambulance Charges (Expenses incurred on ambulance charges) |
up to INR 2,000 per hospitalisation | Covered upto Rs 10 L |
| 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 | Annual health checkup (From Day 1 on Cashless basis) |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
yes | 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) |
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 | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
No Co-Pay | 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.
