Health Companion vs Senior Citizen Plan Health Insurance Plan
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| PLAN DETAILS |
 Health Companion |
 Senior Citizen Plan |
| Premium Including GST | ||
| Sum Assured | 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr | 3L, 4L, 5L, 7.5L, 10L, 15L, 20L & 25L |
| Product Type | Individual & Family Floater | Reimbursement Hospitalization and Cashless |
| 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 |
No Pre medical test required Pre Existing disease coverd after 12 month Renewal gauranteed for lifetime |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Available | Rs 200 per consultation upto Rs 1400 |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Required | no |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Actual - No capping on room rent | Upto Rs 6000 |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Upto sum insured | Not Applicable |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | Pre hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalisation as per the policy |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | Post-Hosp. - 7% of the hospitalization expenses comprising of Nursing Charges, Surgeon / Consultant fees, Diagnostic charges,Medicines and drugs expenses, subject to a max of Rs.7000/- per occurrence |
| 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 | Upto 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) |
No | Not Applicable |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 3 year | After 1 year |
| 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% | Not Applicable |
| 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) | Not Applicable |
| Ambulance Charges (Expenses incurred on ambulance charges) |
up to INR 2,000 per hospitalisation | Rs 1000/- per hospitalization up to max of 2000/- ppp |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Applicable | Not Applicable |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Applicable | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Applicable | No |
| 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 | Rs 2000/- per person |
| 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 Applicable |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Up to INR 5,000 (Only Vaccination) | Not Applicable |
|
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 | 30% For any Claims |
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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.
