Reg : Comparative analysis of Customized Health Insurance products being offered by all Four

General Insurance Channel Partners

New India
S.No. Feature Oriental Insurance Bajaj Allianz Religare
Assurance
Sum Insured 1,2,3,4,5,6,7,8,9,10 Lacs (For Three 1,2,3,4,5,7.5,10 1,2,3,4,5,7,10 Lacs (For Three age
1 age groups : 18-40yrs ,41-60 yrs 1,2,3,4,5,7,10 Lacs groups : 18-45yrs ,46-60 yrs and 61
Range Lacs
and 61 yrs and above.) yrs and above.)
18-40 41-60 >60 yrs
1 Lac : 2963, 3039, 6099
18-45 46-60 >60 yrs
2 Lac : 5201, 5281, 10,356 1 Lac : 3,125 1 Lac : 3068
1 Lac : 3793, 5408, 6925
3 Lac : 7204, 7257, 14,115 2 Lac : 5,930 2 Lac : 5310
2 Lac : 4214, 6177, 8143
Premium 4Lac : 8664, 8850, 17,584 3 Lac : 8,250 3 Lac : 7316
3 Lac : 5681, 8330, 10,979
2 (Including 5 Lac : 9904, 10231, 19587 4 Lac : 10,320 4 Lac : 8968
4Lac : 7325, 10,742, 14,160
Service Tax) 6 Lac : 11995, 13113, 23362 5 Lac : 12,193 5 Lac : 10251
5 Lac : 8653, 12690, 15391
7 Lac : 12991, 14160, 24865 7.5 Lac : 14,022 7 Lac : 14313
7 Lac : 9517, 15,223, 21,737
8 Lac : 13919, 14455, 26167 10 Lac : 16,546 10 Lac : 21039
10 Lac : 10,467, 17,514, 26,097
9 Lac : 14795, 15005, 27315
10 Lac : 15623, 16554, 28341
Members
3 5 4 5 4
Covered
Parents
4 NO NO NO NO
Coevered
Entry Age (Min- 18 Years to 79 18 Years to 79
5 18 Years to 79 Years 18 Years to 79 Years
Max) Years Years
Entry Age 3 months to 26 3 months to 25
6 3 months to 26 Years 3 months to 26 Years
(Children) Years Years
LIFELONG
7 Exit Age LIFELONG RENEWAL 80 Years 80 Years
RENEWAL
Claim Outsourced through
8 Outsourced through TPA Inhouse TPA Inhouse TPA
Settlement TPA
Medical
9 NO NO NO NO
Examination
Pre
10 Hospitalization 30 days 30 days 30 days 30 days
Period
Post
11 Hospitalization 60 days 60 days 60 days 60 days
Period
12 Maternity Cover NO NO NO NO
1% of S.I Upto Max of 5k till 5 Lacs &
1% of S.I Upto
13 Room Charges 1% of S.I Upto 1% of S.I for 7 and 10 Lacs : Single Private
Max of 5000
Room
2% of S.I upto Max
14 ICU Charges 2% of S.I Upto 2% of S.I 2% of S.I Upto Max of 10k
of 10000
Co-pay (Portion
Customer have to pay 20% of Total
of Payment that
15 No No No Hospitalization in case of Cancer &
customer have
Heart Ailments.
to pay)

Cataract : As per sum insured(S.I) Cataract : Rs.40,000 / Eye

16 Sub Limits Knee Replacement : As per S.I Hip No Cataract : Rs.40,000 Kidney Stone : Rs. 30,000 & others
Replacement : As per S.I / Eye as per prospectus

Ambulance 1% of S.I (max.

15 Upto 1000 / Claim Upto 1000 Upto 1000 / Claim
Charges 5000)
Pre-Existing
16 36 months 36 months 36 months 36 months
Diseases
Waiting Period 30 days for
17 30 days for sickness 30 days for sickness 30 days for sickness
for Non PED sickness
Day Care
18 116 Treatments 26 Treatments > 200 Treatments 541 Treatments
coverage for
Domiciliary
10% of S.I upto
19 Hospitiliaztion 10% of S.I, Max upto 25000 NO 10% of S.I
max of 25k
Cover
AYUSH
20 YES NO 25% of S.I With minimum additional charges
Treatment
 For Proposer and
Health Checkup dependents after 3
21 NO None Free for Two Adults every year
Benefits Claim free renewals
(1 % or max. 5000)

Accompanying
22 NO NO NO NO
Person food exp.
Cost of
Hospitalization
23 YES NO YES YES
during Organ
Transplant