Health Insurance Plans

Health Insurance Claim Ratios - Last 3 Years Average

Final Table Design

Criteria	Aditya Birla	Bajaj General	Care Health	Generali Central	HDFC Ergo	ICICI Lombard	Manipal Cigna	Niva Bupa	Reliance General	SBI General	Star Health	Tata AIG
Claim Incurred Ratio	68	83	59	84	86	83	68	58	91	81	73	81
Claim Settlement Ratio	94	84	82	83	94	84	88	89	88	85	77	82
Solvency Ratio	2.02	3.61	1.80	2.00	1.71	2.53	1.63	1.98	1.62	1.94	2.00	2.00

SBI Super Health Insurance

Versions– Prime, Elite, Premier, Platinum, Platinum Infinite

Features

Room Rent- No Limit
Pre/Post- 60/90 Days (More with higher versions)
Cumulative Bonus upto 100% (50% per year)
Super Bonus upto 300% with Optional Rider
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 2 Years
Consumable Cover In-built
OPD Cover with Higher Version Plan (Upto 40k for family)
Maternity Cover with Higher Version Plan (Upto 2 Lacs)
Aggregate Deductible with Optional Rider
Global Cover with Higher Version Plan
Health Reward Points (Upto 30% premium discount)

SBI Health Edge

Features

Room Rent- No Limit
Pre/Post- 30/60 Days
Cumulative Bonus upto 200% (50% per year)
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 2 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Upto 5k per member)
Maternity Cover with Optional Rider (Upto Rs.50k)
Hospital Daily Cash with Optional Rider (Upto 2k per day)
Global Cover with Optional Rider

SBI Health Alpha

Versions– Select, Ultimate

Features

Room Rent- Single Pvt AC Room (Any room with optional)
Pre/Post- 60/90 Days (Option to increase)
Cumulative Bonus upto 1000% (50% per year)
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years (option to reduce)
Consumable Cover In-built
OPD Cover with Optional Rider (upto 50k)
Infinite Claim Once in a Lifetime with Optional Rider
Maternity Cover (upto 1 Lac)
Hospital Daily Cash with Optional Rider (1000 per day)
Health Check-up with Optional Rider
Aggregate Deductible with Optional Rider
Global Cover upto 3 cr.
Gym & Sports Injury OPD Cover with Optional Rider

Bajaj My Healthcare Plan (Plan 1)

Features

Room Rent- Single Pvt AC Room (No limit with higher sum insured)
Pre/Post- 60/90 Days (Customizable)
Cumulative Bonus upto 100% (50% per year)
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover In-built
OPD Cover- Double Amount of Base Premium
Maternity Cover Upto 1 Lac
Waiting Period Reduction Option
Global Cover with Optional Rider (Emergency only)

Bajaj My Healthcare Plan (Plan 6)

Features

Room Rent- Single Pvt AC Room (No limit with higher sum insured)
Pre/Post- 30/60 Days
Cumulative Bonus upto 100% (10% per year)
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover In-built
OPD Cover- Teleconsultation Only

Aditya Birla Active One Max+

Features

Room Rent – No Limit
Pre/Post – 90/180 Days
Cumulative Bonus up to 100% (50% per year)
Super Bonus up to 500% inbuilt
Restoration – Unlimited (Same & other illness)
Pre-existing Waiting Period: 3 Years
Consumable Cover In-built
Waiting Period Reduction with Optional Rider
Jumpstart with Optional Rider
Health Reward Points (Up to 100% premium discount)

Aditya Birla Active One Max

Features

Room Rent – No Limit
Pre/Post – 90/180 Days
Cumulative Bonus up to 100% (50% per year)
Super Bonus up to 500% inbuilt
Restoration – Unlimited (Same & other illness)
Pre-existing Waiting Period: 3 Years
Consumable Cover In-built
Waiting Period Reduction with Optional Rider
Jumpstart with Optional Rider
Health Reward Points (Up to 100% premium discount)

Niva Bupa ReAssure 3.0

Versions– Elite, Black

Features

Room Rent- Single Pvt AC to Deluxe Room
Pre/Post- 60/180 Days
Unutilised Base Sum Insured Carry Forward upto 10x
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider
Annual Health Check-up with Optional Rider
Hospital Daily Cash with Optional Rider (Upto 4k per day)
Aggregate Deductible with Optional Rider
Inflation linked Increase in Sum Insured with Optional Rider
Global Cover with Optional Rider
Health Reward Points (Upto 30% premium discount)
Lock the Premium until Claim

Niva Bupa Aspire

Versions– Gold+, Diamond+, Platinum+, Titanium+

Features

Room Rent- No Limit
Pre/Post- 60/180 Days
Unutilised Base Sum Insured Carry Forward upto 10x
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider
Maternity Cover with Optional Rider (M-iracle)
Hospital Daily Cash with Optional Rider (Upto 4k per day)
Aggregate Deductible with Optional Rider
Inflation linked Increase in Sum Insured with Optional Rider
Global Cover with Optional Rider
Health Reward Points (Upto 30% premium discount)
Lock the Premium until Claim (with higher versions)

Niva Bupa ReAssure 2.0

Versions– Bronze+, Platinum+, Titanium+

Features

Room Rent- No Limit
Pre/Post- 60/180 Days
Unutilised Base Sum Insured Carry Forward upto 10x
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
Hospital Daily Cash with Optional Rider (Upto 4k per day)
Inflation linked Sum Insured Increase with Optional Rider
Health Reward Points (Upto 30% premium discount)
Lock the Premium until Claim (with higher versions)

Care Ultimate Care

Features

Room Rent- No Limit
Pre/Post- 60/90 Days
Cumulative Bonus upto 100% (50% per year)
Super Bonus 100% Per Year Unlimited with Optional Rider
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Consultations)
Waiting Period Reduction with Optional Rider
Jumpstart with Optional Rider
Health Reward Points (Upto 30% premium discount)
1st Base Sum Insured Amount Addition Free after 7 Continuous Claim Free Years
1st Premium Payback for 5 Continuous Claim Free Years with Optional Rider

Care Supreme

Features

Room Rent- No Limit
Pre/Post- 60/180 Days
Cumulative Bonus upto 100% (50% per year)
Super Bonus upto 500% with Optional Rider
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Consultations)
Waiting Period Reduction with Optional Rider
Jumpstart with Optional Rider
Health Reward Points (Upto 30% premium discount)

HDFC Ergo Optima Secure

Features

Room Rent- No Limit
Pre/Post- 60/180 Days
Cumulative Bonus upto 100% (50% per year)
Free 100% of Base Sum Insured Addition Instantly
Restoration- Unlimited (Same & other illness) with Optional Rider
Pre-existing Waiting Period 3 Years
Consumable Cover In-built
OPD Cover with Optional Rider (Consultations)
Hospital Daily Cash with Optional Rider (Upto 10k per person)
Aggregate Deductible with Optional Rider (Can remove after 5 Years)

HDFC Ergo Optima Restore

Features

Room Rent- No Limit
Pre/Post- 60/180 Days
Cumulative Bonus upto 100% (50% per year)
Restoration- Unlimited (Same & other illness) with Optional Rider
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
Free Health Check-up Every Year

ICICI Lombard Elevate 5 Crore (Exclusive Plan)

Features

Sum Insured 5 Crore
Room Rent- Any Room
Pre/Post- 90/180 Days
Pre-existing Waiting Period 3 Years
Consumable Cover included
OPD Cover with Optional Rider
Maternity Cover with Optional Rider (Upto 1 Lac)
Waiting Period Reduction with Optional Rider
Health Reward Points (Upto 30% premium discount)

ICICI Lombard Health AdvantEdge

Features

Room Rent- No Limit
Pre/Post- 60/180 Days
Cumulative Bonus upto 100% (20% per year)
Restoration- Once (Same & other illness)
Pre-existing Waiting Period 2 Years
Consumable Cover with Optional Rider
Maternity Cover with Optional Rider (Upto Rs.10 Lacs)
Inflation linked Sum Insured Increase with Optional Rider
Free Health Check up Every Year

TATA AIG Medicare Select

Features

Room Rent- Single Pvt AC Room
Pre/Post- 90/90 Days (More with higher versions)
Cumulative Bonus upto 100% (50% per year)
Super Bonus 100% Per Year Unlimited with Optional Rider
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Consultations)
Maternity Cover with Optional Rider (Upto Rs.1 Lac)
Aggregate Deductible with Optional Rider
Jumpstart with Optional Rider
Infinite Claim Once in a Lifetime with Optional Rider

TATA AIG Medicare Premier

Features

Room Rent- No Limit
Pre/Post- 60/90 Days (More with higher sum insured)
Cumulative Bonus upto 100% (50% per year)
Restoration- Once (Upto 3 restorations in a year with long term payment)
Pre-existing Waiting Period 2 Years
Consumable Cover In-built
OPD Cover In-built (Upto Rs.45k)
Maternity Cover In-built (Upto Rs.1 lac/2 lacs for boy/girl child)
Free Health Check-up Every Year
Global Cover In-built

Manipal Cigna Sarvah Uttam

Features

Room Rent- Single Pvt AC Room
Pre/Post- 90/180 Days
Super Bonus 100% Per Year Upto 1000% with Optional Rider
Restoration- Unlimited (Same & other illness) with Optional Rider
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
Maternity Cover with Optional Rider (Upto Rs.5 Lacs)
Aggregate Deductible with Optional Rider
Jumpstart with Optional Rider
Free Health Check up Every Year with Optional Rider
Health Reward Points (Upto 20% premium discount)
No Sum Insured Limit for Certain Serious illnesses with Optional Rider

Manipal Cigna Sarvah Param

Features

Room Rent- Single Pvt AC Room
Pre/Post- 90/180 Days
Super Bonus 100% Per Year Upto 1000% In-built
Restoration- Unlimited (Same & other illness) In-built
Pre-existing- 0 Waiting Period
Consumable Cover with Optional Rider
Aggregate Deductible with Optional Rider
Free Health Check up Every Year
Health Reward Points (Upto 20% premium discount)
Discount for Increasing Waiting Periods with Optional Rider

Manipal Cigna Pro Health Prime

Versions– Protect, Advantage

Features

Room Rent- Single Pvt AC Room
Pre/Post- 60/180 Days
Cumulative Bonus upto 200% (25% per year)
Super Bonus 50% Per Year Upto 200% with Optional Rider
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 2 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Upto Rs.50k)
Free Health Check up Every Year
Health Reward Points (Upto 20% premium discount)

Star Health Super Star

Features

Unlimited Sum Insured Option
Room Rent- No Limit
Pre/Post- 90/180 Days
Cumulative Bonus upto 100% (50% per year)
Super Bonus 100% Per Year Unlimited with Optional Rider
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover for Dental In-built
Maternity Cover with Optional Rider (Upto Rs.1 Lac)
Hospital Daily Cash with Optional Rider (Upto 5k per day)
Aggregate Deductible with Optional Rider
Waiting Period Reduction with Optional Rider
Jumpstart with Optional Rider
Infinite Claim Once in a Lifetime with Optional Rider
Free Health Check up Every Year
Health Reward Points (Upto 20% premium discount)
Lock the Premium until Claim (with higher versions)

Star Health Comprehensive

Features

Room Rent- Single Pvt AC Room
Pre/Post- 60/90 Days (Post- 200 days for 75 lacs or above)
Cumulative Bonus upto 100% (100% in a year)
Restoration- Once (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover for Dental with Optional Rider (Consultations)
Maternity Cover with Optional Rider (Upto Rs.1 Lac)
Hospital Daily Cash with Optional Rider (Upto Rs.500 per day)
Waiting Period Reduction with Optional Rider
Health Reward Points (Upto 10% premium discount)

Reliance Health Gain

Versions– Power, Prime

Features

Room Rent- No Limit
Pre/Post- 60/60 Days (Increase with optional rider)
Cumulative Bonus upto 100% (33.33% per year)
Restoration- Once (Other illness), Unlimited with Optional Rider
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Upto 5k per member)
Hospital Daily Cash with Optional Rider (Upto 2.5k per day)
Aggregate Deductible with Optional Rider
Waiting Period Reduction with Optional Rider
Health Check up with Optional Rider
Global Cover with Optional Rider
Sum Insured Enhancement with Call Option

Reliance Health Infinity

Features

Room Rent- No Limit
Pre/Post- 90/180 Days
Cumulative Bonus upto 100% (50% per year)
Restoration- Once (Other illness)
Pre-existing Waiting Period 3 Years
Global Cover (Emergency)
Upto Extra 2 Months Free with 2 Years Premium Payment
30% Extra Sum Insured Free with Base Sum Insured Opted

Generali Central Health Unlimited

Features

Room Rent- Single Pvt AC Room (No limit for 25 lakhs & above)
Pre/Post- 60/90 Days (Increase with optional rider)
Cumulative Bonus upto 100% (50% per year)
Restoration- Unlimited (Same & other illness)
Pre-existing Waiting Period 3 Years
Consumable Cover with Optional Rider
OPD Cover with Optional Rider (Upto 10k)
Maternity Cover In-built (Upto 1.35 Lakhs)
Hospital Daily Cash with Optional Rider (Upto 2.5k per day)
Aggregate Deductible with Optional Rider
Inflation based Sum Insured Increase with Optional Rider
Infinite Claim Once in a Lifetime In-built
Global Cover In-built (With higher sum insured)
Health Reward Points (Upto 20% premium discount)
Premium Payback for 4 Continuous Claim Free Years

Health Insurance Claim Ratios - Last 3 Years Average