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 |
Critical illness Plans
SBI Critical illness
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 13
- Sum Insured from 2 Lacs to 50 Lacs
- Survival Requirement- 28 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
Bajaj General Criti Care
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 43
- Sum Insured from 1 Lac to 50 Lacs
- Survival Requirement- 0 to 15 days
- Waiting Period- 120 to 180 days
- Pre-existing Waiting Period 3 Years
Aditya Birla Activ Secure- Critical illness
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 64
- Sum Insured from 1 Lac to 1 Crore
- Survival Requirement- 15 days
- Waiting Period- 90 to 180 days
- Pre-existing Waiting Period 3 Years
Niva Bupa Health Assurance
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 20
- Sum Insured from 3 Lacs to 2 Crore
- Survival Requirement- 30 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
Care Super Mediclaim
Features
- Hospitalization Expenses Based Plan
- Critical illnesses Covered- upto 32
- Sum Insured from 10 Lacs to 2 Crores
- Room Rent- Single Pvt AC Room to Any Room
- Pre/Post- 30/60 Days
- Cumulative Bonus upto 100% (25-50% per year)
- Pre-existing Waiting Period 3 Years
- Consumables Rider not Available
- OPD Cover In-built (Upto 25k)
- Waiting Period Reduction with Optional Rider
- Global Coverage In-built (For sum insured >=1 crore)
HDFC ERGO Critical illness
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 15
- Sum Insured from 1 Lac to 50 Lacs
- Survival Requirement- 15 to 30 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
ICICI Lombard Criti Shield Plus
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 92
- Sum Insured from 5 Lacs to 40 Lacs
- Survival Requirement- 0 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
TATA AIG Criti Medicare
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 100
- Sum Insured from 5 Lacs to 2 Crores
- Survival Requirement- 0 to 15 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
- Cancer Hospitalization, Pre/Post Expenses also Covered
- Hospital Daily Cash upto 20k per day during Hospitalization
Manipal Cigna Lifestyle Protection- Critical Care
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 30
- Sum Insured from 1 Lac to 25 Crores
- Survival Requirement- 30 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
Manipal Cigna Sarvah Pratham
Features
- Hospitalization Expenses Based Plan
- Critical illnesses Covered- upto 4 Major
- Sum Insured from 5 Lacs to 3 Crores
- Room Rent- Single Pvt AC Room
- Pre/Post- 90/180 Days
- Cumulative Bonus not Available
- Super Bonus 100% Per Year upto 1000% with Optional Rider
- Restoration- Unlimited (Same & other illness) with Optional Rider
- Pre-existing Waiting Period 3 Years
- Consumables Cover with Optional Rider
- Aggregate Deductible Available
Star Critical illness Multipay
Features
- Lumpsum Benefit Plan
- Critical illnesses Covered- upto 37
- Sum Insured from 5 Lacs to 25 Lacs
- Survival Requirement- 15 days
- Waiting Period- 90 days
- Pre-existing Waiting Period 3 Years
