Health Insurance Claim Ratios - Last 3 Years Average
| 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 |
Tip : Better to take Super Top up Plan of the same Company of which you have your Base Health Insurance Policy (if any) to get facilitated during Cashless Claims
Super Top-up Plans
SBI Super Top up
Features
- Room Rent- No Limit
- Pre/Post- Upto 60/180 Days
- Sum Insured from 5 Lacs to 4 Crores
- Aggregate Deductible from 2 Lacs to 2 Crores
- Cumulative Bonus upto 100% (10% per year)
- Restoration- Unlimited (Same & other illness) with Optional Rider
- Pre-existing Waiting Period 2 Years
- Consumables Cover with Optional Rider
- Maternity Cover upto 2 Lacs with 5 Lacs Deductible Policy
- Waiting Period Reduction with Optional Rider
- Global Cover with Optional Rider
Bajaj General Extra Care Plus
Features
- Room Rent- No Limit
- Pre/Post- 60/90 Days
- Sum Insured from 3 Lacs to 50 Lacs
- Aggregate Deductible from 2 Lacs to 10 lacs
- Pre-existing Waiting Period 1 year
- Maternity Cover In-built
- Free Health Check up
Aditya Birla Super Health Plus Top up
Features
- Room Rent- Single Pvt AC Room to Any Room
- Pre/Post- 30/60 Days
- Sum Insured from 3 Lacs to 95 Lacs
- Aggregate Deductible from 1 Lac to 15 Lacs
- Pre-existing Waiting Period 3 Years
- Deductible Removal Option
- Consumables Rider not Available
Niva Bupa Health Recharge
Features
- Room Rent- 1% Limit to Single Pvt Room
- Pre/Post- 60/90 Days
- Sum Insured from 2 Lacs to 95 Lacs
- Aggregate Deductible from 1 Lac to 10 Lacs
- Loyalty Bonus Addition upto 50% (5% per year)
- Pre-existing Waiting Period 3 Years
- Lumpsum Benefit on Critical illness with Optional Rider
Care Supreme Enhance
Features
- Room Rent- Single Pvt AC Room (Most Economical)
- Pre/Post- 60/90 Days
- Sum Insured from 45 Lacs to 85 Lacs
- Aggregate Deductible from 5 Lacs to 15 Lacs
- Cumulative Bonus upto 100% (10% per year)
- Restoration- Unlimited (Same & other illness)
- Pre-existing Waiting Period 3 Years
- Consumables Rider not Available
HDFC ERGO My:health Medisure Super Top Up
Features
- Room Rent- No Limit
- Pre/Post- 30/60 Days
- Sum Insured from 3 Lacs to 20 Lacs
- Aggregate Deductible from 2 Lacs to 5 Lacs
- Pre-existing Waiting Period 3 Years
- Consumables Rider not Available
- Lumpsum Benefit on Critical illness with Optional Rider
- Hospital Daily Cash upto 10k per day with Optional Rider
ICICI Lombard Activate Booster
Features
- Room Rent- Single Pvt AC Room
- Pre/Post- Upto 90/180 Days with Plan A
- Sum Insured from 10 Lacs to 3 Crores
- Aggregate Deductible from 3 Lacs to 20 Lacs
- Pre-existing Waiting Period 3 Years
- Consumables Cover with Optional Rider
- Maternity Benefits Available with Plan A
- Waiting Period Reduction with Optional Rider
- Deductible Removal Option
- Deductible Reduction upto 50% (10% per year) with Optional Rider
- Jumpstart with Optional Rider
- Inflation Linked Sum Insured Increase with Optional Rider
TATA AIG Medicare Plus
Features
- Room Rent- No Limit
- Pre/Post- 60/90 Days
- Sum Insured from 3 Lacs to 1 Crore
- Aggregate Deductible from 2 Lacs to 20 Lacs
- Cumulative Bonus upto 100% (50% per year)
- Pre-existing Waiting Period 3 Years
- Consumables Cover In-built
- Global Cover with Optional Rider
Manipal Cigna Super Top up Plus
Features
- Room Rent- No Limit
- Pre/Post- 60/90 Days
- Sum Insured from 3 Lacs to 30 Lacs
- Aggregate Deductible from 3 Lacs to 10 Lacs
- Cumulative Bonus upto 50% (5% per year)
- Pre-existing Waiting Period 3 Years
- Consumables Cover In-Built
- Waiting Period Reduction with Optional Rider
- Waiting Period Continuity Benefit on Base Policy Purchase in Future with Optional Rider
Star Super Surplus
Version: Gold Plan (Aggregate Deductible)
Features
- Room Rent- Single Private AC Room
- Pre/Post- 60/90 Days
- Sum Insured from 5 Lacs to 1 Crore
- Aggregate Deductible from 3 Lacs to 25 Lacs
- Restoration- Once (Same & other illness)
- Pre-existing Waiting Period 1 Year (Declared diseases 3 years)
- Consumables Cover with Optional Rider
- Maternity Cover upto 50k
- Deductible Removal Option
Reliance Health Super Top up
Features
- Room Rent- No Limit
- Pre/Post- Not Defined
- Sum Insured from 5 Lacs to 1.30 Crores
- Aggregate Deductible from 2 Lacs to 30 Lacs (Long Term Option)
- Cumulative Bonus upto 50% (10% per year)
- Pre-existing Waiting Period 3 Years
- Consumables Cover In-built
- Maternity Cover upto 2 Lacs
- Waiting Period Reduction with Optional Rider
- Global Cover with Optional Rider (Emergency)
- Deductible Removal Option
- Waiver of Deductible for Accidental Claims
