INSURANCE INSIGHTS
|
JULY 2017
28
29
JULY 2017 |
INSURANCE INSIGHTS
Insurer's Name
HDFC ERGO GIC LTD
BHARTI AXA GIC LTD
Plan Name
my: health Medisure Super Top Up Insurance Plan
Smart Health High Deductible Insurance
Policy
Entry Age (Min/Max)
91 days/65 years
91 days/65 years
Renewability
Lifetime
Lifetime
Sum Insured Options
R
3 Lakh,
R
5 Lakh,
R
6 Lakh,
R
7 Lakh,
R
8 Lakh,
R
10 Lakh,
R
11 Lakh,
R
12 Lakh,
R
15 Lakh,
R
16 Lakh,
R
20 Lakh
R
3 Lakh,
R
4 Lakh,
R
5 Lakh,
R
7 Lakh,
R
6 Lakh,
R
8 Lakh,
R
10 Lakh
Floater/ Individual Policy
Both Available
Both Available
In Patient Treatment
Covered
Covered
Pre/ Post Hospitalisation
Covered
Covered
Policy Period
1 year, 2 years
1 year renewable
Insurer's Name
HDFC ERGO GIC LTD
Bharti AXA
GIC LTD
Aditya Birla
Health Insurance
Plan Name
Health Surakha
Silver Plan
Health Surakha
Gold Plan
Health Suraksha
Silver with
Regain and ECB
Health Suraksha
Gold with Regain
and ECB
Smart Health
Insurance
Policy
Active Health-
Enhanced
(Platinum)
Entry Age (Min/
Max)
91 days/No limit 91 days/No limit
No Limit
No Limit
91 days/No
limit
91 days/No limit
Sum Insured
Options
R
4 Lakh,
R
5 Lakh,
R
7.5 Lakh,
R
10 Lakh
R
3 Lakh,
R
4 Lakh,
R
5 Lakh,
R
10 Lakh
R
3 Lakh,
R
4 Lakh,
R
5 Lakh,
R
7.5 Lakh,
R
10
Lakh
R
3 Lakh,
R
4 Lakh,
R
5 Lakh,
R
7.5 Lakh,
R
10
Lakh
R
50,000,
R
1 Lakh,
R
2 Lakh,
R
3 Lakh,
R
4 Lakh,
R
5 Lakh
R
2 Lakh.
R
3 Lakh,
R
4 Lakh,
R
5 Lakh,
R
6 Lakh,
R
7 Lakh,
R
8 Lakh,
R
9 Lakh,
R
10 Lakh,
R
15 Lakh,
R
20 Lakh,
R
25 Lakh,
R
30 Lakh,
R
40 Lakh,
R
50 Lakh,
R
100 Lakh,
R
150 Lakh,
R
200 Lakh
In Patient
Treatment
Covered
Covered
Covered
Covered
Covered
Covered
Pre/ Post
Hospitalisation
Covered
60/90 days
60/90 days
60/90 days
60/90 days
30/60 days
60/180 days
Domiciliary
Hospitalisation
Covered
Covered
Covered
Covered
Covered
Covered
Organ Donor
Covered
Covered
Covered
Covered
Covered
Covered
Cumulative
Bonus
5% every year
maximum upto
50 %
10% every year
maximum upto
100 %
10% every year
maximum upto
100 %
10% every year
maximum upto
100 %
Not Available 20% increase per
year, Maximum up
to 100%
(up to maximum of
50 Lakh)
And no reduction
on claim
GENERAL INSURANCE
HEALTH TOP UP INSURANCE
HEALTH INSURANCE
Insurer's Name
HDFC ERGO GIC LTD
Bharti AXA GIC Ltd
Plan Name
Individual Personal Accident
Smart Individual Personal Accident
Entry Age (Min/Max)
18/65 years
18/70 years
Renewability
Lifetime
75 years
Sum Insured (SI) Options
R
2.5 Lakh to
R
1 Cr.
R
2 Lakh to
R
5 Cr.
Accidental Death Benefit
100% of SI
100% of SI
Permanent Total Disablement
100% of SI
150% of SI
Temporary Total Disablement
As per schedule
As per schedule
Permanent Partial Disablement
As per schedule
As per schedule
Policy Period
1 year, 2 years, 3 years renewable
1 year renewable
ACCIDENT PROTECTION INSURANCE
Insurer’s Name
Bharti AXA GIC LTD
Plan Name
SmartHealth Essential Insurance Policy
Entry Age (Min/Max)
91 days/65 years
Renewability
Lifetime
Hospital Cash Allowance
R
1000 per day of hospitalisation for 60 days after the first 3 days;
R
2000 per day of hospitalisation for 90
days after the first 3 days and
R
3000 per day of hospitalisation for 120 days after the first 3 days
Renewal Discount
Available
Pre-existing diseases covered
after
4 years
Specified Illness Waiting
period
1 year
Policy Period
1 year renewable
HOSPITAL CASH INSURANCE
