Mediclassic Individual - Gold vs Prime Senior Classic Health Insurance Plan
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| PLAN DETAILS |
 Mediclassic Individual - Gold |
 Prime Senior Classic |
| Premium Including GST | ||
| Sum Assured | 3L, 4L, 5L, 10L & 15L | 5L, 7.5 L, 10L, 15L, 20L, 25L & 50L |
| Product Type | Reimbursement Hospitalization and Cashless | Individual/Multi-individual and Family Floater |
| Key Features (Key features of the plan) |
Automatic Restoration upto 200% Addition Cover for RTA Covers Psychiatric and Psychosomatic Disorder (after 2 years) Covers Non Allopathic Treatment. |
Modern and Advanced Treatments/HIV/ AIDS & STD / Mental Illness Cover are covered upto SI 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 Reduction in PED Waiting period to 90 Days (Optional) |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Applicable | Not Available |
| EMI Option | no | 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) |
Single Private AC Room | Single Private AC room |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered upto 10L | Up to Rs 10L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 30 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 60 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs 25000/policy period | 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 10L & 101 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) |
Optional as riders | Not Applicable |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 4 Years | Covers after 24 Months |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
20% Per year - upto 100% | Rs 1L every claim free year & max Upto Rs 10L (Bonus will not reduce in case of claim) |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs 20L (on unrelated illness & on full exhaustion) | Not Available |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs 2,000/- per hospitalization | 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 Covered | Not Available |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Yes | Not Available |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Payable on renewal Rs 2500/- | Once after every claim free year. 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) |
Not Applicable | Not Available |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Applicable | 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) |
You pay 10% of claim | You pay 20% of claim |
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