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 |
Maternity Plans
SBI Super Health Insurance
Versions: Prime, Elite, Premier, Platinum, Platinum Infinite
Features
- Maternity Feature In-built, Covers Expenses upto 25k to 2 Lacs, Pre & Post Natal Expenses Covered, Waiting Period 2 to 4 Years
- Voluntary Termination Waiting 12 weeks
- New Born Baby Cover upto Maternity Sum Insured
- Child Vaccination 5k to 10k
- Mid-term Member Addition Available
SBI Health Edge
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 25k for Normal & 50k for C-section, Pre & Post Natal Expenses Covered, Waiting Period 4 Years
- Voluntary Termination Waiting 12 weeks
- Assisted Reproduction Treatment (ART) Expenses upto 1 Lac
- New Born Baby Cover upto Maternity Sum Insured
- Child Vaccination Not Available
- Mid-term Member Addition Available
ICICI Elevate
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 1 Lac, Pre & Post Natal Expenses Covered, Waiting Period 2 years
- Medically Lawful Termination only in Life Threatening Condition
- Surrogacy Expenses upto 5 Lacs In-built
- Oocyte Donor Cover upto 5 Lac In-built
- New Born Baby Cover Twice of Maternity Sum Insured
- Child Vaccination upto 10k
- Mid-term Member Addition Available
ICICI Health AdvantEdge
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 10 Lac, Pre & Post Natal Expenses Covered, Waiting Period 9 months
- Medically Lawful Termination only in Life Threatening Condition
- New Born Baby Cover Twice of Maternity Sum Insured
- Child Vaccination upto 10k
- Mid-term Member Addition not Available
TATA AIG Medicare Select
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 1 Lac, Pre & Post Natal Expenses Not Covered, Waiting Period 2 Years (Option to reduce to 1 year)
- Medically Lawful Termination only in Life Threatening Condition
- New Born Baby Cover upto Maternity Sum Insured
- Child Vaccination Available
- Mid-term Member Addition not Available
TATA AIG Medicare Premier
Features
- Maternity Feature In-built, Covers Expenses for Boy Child upto 50k to 1 Lac & upto 60k to 1.2 Lac for Girl Child, Pre & Post Natal Expenses Not Covered, Waiting Period 4 years
- Medically Lawful Termination only in Life Threatening Condition
- New Born Baby Cover upto Maternity Sum Insured
- Child Vaccination upto 10k for boy child & 15k for Girl Child
- Mid-term Member Addition not Available
Star Health Super Star
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 30k to 1 Lac, Pre & Post Natal Expenses Covered, Waiting Period 1-2 years
- Assisted Reproduction Treatment (ART) Expenses upto 1 Lac to 4 Lacs
- New Born Baby Cover upto 2 Lacs to 5 Lacs
- Mid-term Member Addition Available
Star Health Comprehensive
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 15k to 1 Lac, Pre & Post Natal Expenses Covered, Waiting Period 2 years
- New Born Baby Cover upto 1 Lac to 2 Lacs
- Child Vaccination upto 5k to 10k
Generali Central Health Unlimited
Features
- Maternity Feature In-built, Covers Expenses upto 40k to 1.35 Lacs, Pre & Post Natal Expenses Covered, Waiting Period 3 Years
- Live-in Partner Covered
- Lawful Medical Termination of Pregnancy Available
- New Born Baby Cover not Available
- Child Vaccination not Available
- Mid-term Member Addition not Available
Manipal Cigna Sarvah Uttam
Features
- Maternity Feature with Optional Rider, Covers Expenses upto 5 Lacs, Pre & Post Natal Expenses Covered, Waiting Period 3 years
- Medically Lawful Termination only in Life Threatening Condition
- New Born Baby Cover Under Maternity Sum Insured
- Child Vaccination Available
- Mid-term Member Addition not Available
Niva Bupa Aspire
Versions: Gold+, Diamond+, Platinum+, Titanium+
Features
- Maternity Feature In-built, Covers Expenses as per M-iracle Feature, Waiting Period from 9 months to 4 years
- New Born Baby Cover as per M-iracle Feature
- Mid-term Member Addition not Available
Bajaj My Healthcare Plan (Plan 1)
Features
- Maternity Feature In-built, Covers Expenses upto 50k, Pre & Post Natal Expenses Covered, Waiting Period 3 Years (Option to reduce to 1 year)
- Lawful Medical Termination of Pregnancy Available
- Surrogacy Expenses upto 75k
- Assisted Reproduction Treatment (ART) Expenses upto 1 Lac
- New Born Baby Cover upto 1 lac to 15 Lacs
- Child Vaccination Not Available
- Mid-term Member Addition not Available
