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Bajaj Allianz Apollo Munich National Insurance

Health Guard- Individual Standard- Individual-100000

Benefit 100000 100000

100000  100000  100000 

Coverage

10%dedu
ctible for
hospitalis
ation in a
non
network
Limit hospital  No  No 

Hospitaliz Hospitaliz Hospitaliz

ation for ation for ation for
minimum minimum minimum
Hospitalisation
Condition
Expenses  [?] 24 hours  24 hours  24 hours 
No  No  No 
Coverage
Limit No  No  No 

Any one illness

Condition
hospitalisation limit  [?]
No  No  No 
[Click here]   No  [Click here]  
Coverage
Limit No  No  No 

Limits of Liability  [?]
Condition No  No  No 
[Click here]   [Click here]   [Click here]  
Coverage

Within Within Within

the limit the limit the limit
of of of
hospitaliz hospitaliz hospitaliz
ation ation ation
Limit benefit  benefit  benefit 

Daycare Treatment  [?]
Condition No  No  No 
70 years  lifetime  lifetime 
Coverage
Limit No  No  No 

Maximum Renewal Age [?]

Maximum Renewal
ConditionAge [?] No  No  No 
No  Yes  20000 
Coverage

Part of
hospitaliz
ation
Limit No  No  benefit 

No
payment
for post
hospitalis
ation if
claim for
this
benefit is
DomiciliaryCondition
Hospitalisation [?] No  accepted  No 
60 30 30
days/90 days/60 days/60
days  days  days 
Coverage
Limit No  No  No 

60days/9
0 days if
the
company
is
intimated
about the
hospitalis
ation at
least five
days in
Pre & Post Condition
Hospitalisation [?] No  advance  No 
Yes  Yes  Yes 
Coverage
Limit No  No  No 

Cashless Facility  [?]
Condition No  No  No 
Yes  Yes  Yes 
Coverage
 After four
continuou
s claim After four
free continuou
policy s claim
years From the free
with the fourth policy
company claim free years
without a policy with
Limit break  year  National 

Pre-ExistingCondition
Disease Coverage  [?]
No  No  No 
Yes  Yes  Yes 
Coverage

1% of the
SI Up to a
Up to Rs. Upto max of
Limit 1000  Rs2000  Rs1000 

Local RoadCondition
Ambulance Services  [?]
No  No  No 
No  Yes  Yes 
Coverage

Actual Up to a
cost maximum
within of 50% of
overall basic
Limit No  limit of SI  cover SI 

Donor Expenses  [?]
Condition No  No  No 
No  No  Yes 
Coverage
Limit No  No  No 

Part of
hospitaliz
ation
Nursing Allowance  [?]
Condition No  No  benefit 
No  Rs500 per No 
day 
Coverage
 Upto a
maximum
of
Limit No  Rs3000  No 

For
hospitalis
ation in
shared
accomod
ation if
the
hospitalis
ation
exceeds
Hospital Daily
Condition
Allowance  [?] No  48 hours  No 
Yes  Yes  Yes 
Coverage

Up to 1%
of the
amount
Up to Rs of
1000 average SI
once at once at
the end the end
of block of the
of four block of
continuou Upto 1% four
s claim of SI claims
free every free
policy fourth underwri
Limit years  year  ting years 

Only
available
if the
policy is a
renewal
of
Cost of Health
Condition
Check up  [?] No  No  National 
 5% 10% 5%
increase increase increase
in SI per in SI per in SI per
claim free claim free claim free
year  year  year 

Coverage

Maximum
Up to a accumula Maximum
maximum tion of accumula
of 50% of 50% tion of 10
basic cumulativ claim free
Limit cover SI  e bonus  years 

I) In case
of a claim
on the
In case of policy
other where
company cumulativ
renewals, e bonus
upto the has been
age of 40 earned,
years,CB the
will be increased
passed in In case of %age will
full ;41 to a claim be
45 ,cumulati reduced
years,50% ve bonus by 10% of
CB will be will be SI,
passed on reduced however
;above 45 by20% of basic SI
years, no SI on the will not
CB will be next be
Condition passed.  renewal  reduced .
 ii)
Cumulativ
e bonus
will be
lost if the
policy is
not
renewed
on the
date of
expiry.

iii)Only
available
if the
policy is a
renewal
of
Cumulative Bonus  [?] National 
Yes  Yes  Yes 
Coverage

Rs. 15000 Rs. 15000 Rs. 15000

for self, for self, for self,
spouse, spouse, spouse,
kids and kids and kids and
parents / parents / parents /
Rs. 20000 Rs. 20000 Rs. 20000
if the if the if the
policy policy policy
includes includes includes
senior senior senior
citizens citizens citizens
whose whose whose
age is age is age is
above 65 above 65 above 65
Limit yrs  yrs  yrs 

Income TaxCondition
Benefit  [?] No  No  No 
No  No  [?] 
Coverage
Limit No  No  No 

First Year Exclusions  [?]

Condition No  No  No 
 [?]  [?]  No 
Coverage
Limit No  No  No 

Second Year
Condition
Exclusions  [?] No  No  No 
[?]  No  No 
Coverage
Limit No  No  No 

Fourth YearCondition
Exclusions  [?] No  No  No 
 amily Bajaj Allianz National
Profile Individual
Coverage
1 Lakh to 2 Lakh

Key Features
Product name Health Guard Policy Mediclaim

Coverage amount Rs. 1,50,000 Rs. 1,50,000

Premium (cost of Rs.1,882 Rs.1,536

coverage)

Policy term (years) 1 1

Special features 1. Donor expenses <Provider does not share this

data>

2. Family Floater 
 3. Insured from mental anxiety and
stress during difficult times

Cashless facility Yes Yes

Coverage
Hospitalization Yes Yes
expenses

Daycare Yes Yes

hospitalization

Domiciliary Yes Yes

hospitalization

Convalescence <Provider does not share this data> <Provider does not share this
benefit data>

Post hospitalization 90 days 30Days

expenses

Local road Yes <Provider does not share this

ambulance services data>

Cost of health check Yes Yes

up

Eligibility
Medical test <Provider does not share this data> After 50 years

Max. entry age 65 80

(years)

Eligibility conditions Indian National, Indian National

no coverage for treatment outside No coverage for treatment

India. Children above the age of outside india
three months and adults below the
age of 65 years

Benefits
Income tax benefit Yes Yes

Pre-existing disease After 2 years. After 4th year

coverage

Sublimits applicable <Provider does not share this data> <Provider does not share this
data>
Sublimits description <Provider does not share this data> <Provider does not share this
data>

Pricing
Family discount Yes <Provider does not share this
data>

Two years policy <Provider does not share this data> <Provider does not share this
option data>

Cumulative bonus Yes Yes

No Claim bonus Yes <Provider does not share this

data>

Other Details
Provider type Private Limited Companies PSU Companies

Third Party Paramount Healthcare TTK Health care Services Pvt.

Admnistrator Management Ltd. (PHM) Ltd.

List of network Click Here Click Here

hospitals
List of permanent 1. All diseases/injuries existing at The most important exclusion
exclusions the time of proposing this insurance relates to pre-existing illness. If
the insuring person had a
health condition, existing prior
to taking the policy, which
required medical treatment,
the same gets

2. Any disease contracted during automatically excluded in the

the first 30 days of commencement policy. To ensure that in
of the policy subsequent renewals medical
conditions
3. Certain diseases such as hernia,
piles, cataract (liability restricted
upto 10% of SI, max. upto Rs.
25,000), sinusitis shall be covered
after an administration waiting
period of 2 years
incepting since the policy was
taken do not get excluded, the
insuring person must renew
the policy without break.

4. Non Allopathic medicine

5. Congenital diseases

6. All expenses arising from AIDS

and related diseases
7. Cosmetic, aesthetic or related
treatment

8. Use of intoxicating drugs, alcohol

9. Joint replacement surgery (other

than due to accidents shall have a
waiting period of four years)
List of first year <Provider does not share this data> <Provider does not share this
exclusions data>
 Royal Sundaram

Health Shield

Rs. 1,50,000

Rs.1,581

1. Recovery Benefit of 3% of
the SI for hospitalisation
exceeding 15 days 2.
Rs.1000/- towards
ambulance charges, in case
of emergency 3. Rs.750/-
( per insured person holding
a SI of 1 lac and above )
towards Health Check up
after 5 consecutive claims
free year
Yes

Yes

Yes

Yes

Yes

60

Yes

Yes
After 45 years

50

<Provider does not share this

data>

Yes

After 5 years

Yes
1. Room, Boarding expenses
as provided by the
hospital/Nursing home
subject to a limit of 1.5% of
the sum insured per day and
for intensive care unit 3% of
the sum Insured per day.

2. Surgeon, Anesthetist,
Medical Practitioner,
consultants and Specialist
Fees are subjected to a limit
of 40% of the sum insured.
Yes

No

Private Limited Companies

Medicare TPA services Pvt.

Ltd.

Click Here
<Provider does not share this
data>
Disease contracted during
the first 30 days of
commencement of policy. All
diseases / illness / injury
existing at the time of
proposing this insurance
 Family Profile Individual Coverage- 1 lakh to 2lakh
NATIONAL ROYAL SUNDARAM
KEY FEATURES
Product name Mediclaim Health Shield

Coverage Rs. 1,50,000 Rs. 1,50,000

amount

Premium (cost Rs.1,536 Rs.1,581

of coverage)

Policy term 1 1
(years)
Special features <Provider does not share 1. Recovery Benefit of 3% of the SI
this data> for hospitalisation exceeding 15
days 2. Rs.1000/- towards
ambulance charges, in case of
emergency 3. Rs.750/- ( per insured
person holding a SI of 1 lac and
above ) towards Health Check up
Cashless Yes after 5 consecutive
Yesclaims free year
facility
COVERAGE
Hospitalization Yes Yes
expenses
Daycare Yes Yes
hospitalization
Domiciliary Yes Yes
hospitalization
Convalescence <Provider does not share Yes
benefit this data>
Post 30Days 60
hospitalization
expenses
Local road <Provider does not share Yes
ambulance this data>
services
Cost of health Yes Yes
check up
ELIGIBILITY
Medical test After 50 years After 45 years
Max. entry age 80 50
(years)
Eligibility Indian National <Provider does not share this data>
conditions No coverage for treatment
outside india
BENEFITS
Income tax Yes Yes
benefit
Pre-existing After 4th year After 5 years
disease
coverage
Sublimits <Provider does not share Yes
applicable this data>
Sublimits <Provider does not share 1. Room, Boarding expenses as
description this data> provided by the hospital/Nursing
home subject to a limit of 1.5% of the
sum insured per day and for
intensive care unit 3% of the sum
Insured per day.

2. Surgeon, Anesthetist, Medical

Practitioner, consultants and
Specialist Fees are subjected to a
limit of 40% of the sum insured.
PRICING
Family discount <Provider does not share Yes
this data>
Two years <Provider does not share No
policy option this data>
Cumulative Yes Y
bonus
No Claim bonus <Provider does not share N
this data>
OTHER DETAILS
Provider type PSU Companies Private Limited Companies
Third Party TTK Health care Services Medicare TPA services Pvt. Ltd.
Admnistrator Pvt. Ltd.
List of The most important <Provider does not share this data>
permanent exclusion relates to pre-
exclusions existing illness. If the
insuring person had a
health condition, existing
prior to taking the policy,
which required medical
treatment, the same gets 

automatically excluded in
the policy. To ensure that in
subsequent renewals
medical conditions
incepting since the policy
was taken do not get
excluded, the insuring
person must renew the
policy without break.
List of first year <Provider does not share Disease contracted during the first
exclusions this data> 30 days of commencement of policy.
All diseases / illness / injury existing
at the time of proposing this
insuranc

KEY FEATURES
Product name Health Guard Policy
Coverage amount Rs. 1,50,000
Premium (cost of coverage)
Policy term (years)
Special features
Cashless facility
COVERAGE
Hospitalization expenses
Daycare hospitalization
Domiciliary hospitalization
Post hospitalization
expenses
Local road ambulance
services
Cost of health check up
ELIGIBILITY
Medical test
Max. entry age (years)
Eligibility conditions
BENEFITS
Income tax benefit
Pre-existing disease
coverage
Sublimits applicable
Sublimits description
Family Profile Individual Coverage- 1 lakh to 2lakh
BAJAJ ALLIANZ ORIENTAL STAR HEALTH
Individual Mediclaim Policy Medi Classic
Rs. 1,25,000 Rs. 1,50,000
Rs.1,882 Rs.1,615 Rs.1,800
1 1 1
1. Donor expenses <Provider does not share this <Provider does not share this data>
2. Family Floater  data>
3. Insured from mental
anxiety and stress during
difficult times
Yes Yes Yes
Yes Yes Yes
Yes Yes <Provider does not share this data>
Yes Yes <Provider does not share this data>
90 days 60 days calculated at 7% of the hospitalisation
expenses (excluding room rent)
subject to a maximum of Rs.5000 is
payable
Yes <Provider does not share this Yes
data>
Yes Yes <Provider does not share this data>
<Provider does not share After 45 years <Provider does not share this data>
this data>
65 55 80
Indian National, Indian National <Provider does not share this data>
no coverage for No coverage for treatment
treatment outside India. outside india
Children above the age of
three months and adults
below the age of 65 years
Yes Yes Yes
After 2 years. <Provider does not share this <Provider does not share this data>
data>
<Provider does not share Yes <Provider does not share this data>
this data>
<Provider does not share The following provisions for <Provider does not share this data>
this data> reasonable & customary
expenses, which are
reibursible under the policy
have been introduced:
Room, Board and Nursing
Expenses as provided by the
Hospital /Nursing Home not
exceeding 1 % of the Sum
Insured or Rs. 5000 /- per day
whichever is less.
 I.C. Unit expenses not
exceeding 2 % of the Sum
Insured or Rs. 10,000 /- per day
whichever is less.(Room stay
plus I.C.U. stay should not
exceed total number of
admission days).Ambulance
services - 1% of the sum
insured or Rs 2000/- whichever
is less shall be reimbursible
where the patient has to be
shifted from residence to
hospital in case of admission
in Emergency Ward / I.C.U. or
PRICING from one Hospital / Nursing
Family discount Yes home
Yes to another Hospital / <Provider does not share this data>
Nursing Home for better
medical facilities. These
Cumulative bonus Yes Yes
expenses are payable only <Provider does not share this data>
when registered ambulance is
No Claim bonus Yes used
Yes <Provider does not share this data>

OTHER DETAILS
Provider type Private Limited PSU Companies Private Limited Companies
Companies
Third Party Admnistrator Paramount Healthcare Heritage Health services Pvt. Star Health
Management Ltd. (PHM) Ltd.

List of permanent exclusions 1. All diseases/injuries i-Benign ENT disorders and Expenses incurred for treatment of
existing at the time of surgeries i.e. Tonsillectomy, any illness / disease / condition, which
proposing this insurance Adenoidectomy, is pre-existing at the time of
Mastoidectomy, commencement of insurance Any
Tympanoplasty etc. 1 year expenses incurred for treatment of
illness / disease / sickness contracted
2. Any disease ii-Polycystic ovarian diseases . by the Insured Person during the first
contracted during the 1 year 30 days. For a detailed list of
first 30 days of exclusions please refer policy
commencement of the conditions
policy

3. Certain diseases such iii-Surgery of hernia. 2 years

as hernia, piles, cataract
(liability restricted upto
10% of SI, max. upto Rs.
25,000), sinusitis shall be
covered after an
administration waiting
period of 2 years

4. Non Allopathic ivSurgery of hydrocele. 2

medicine years
5. Congenital diseases vNon infective Arthritis. 2
years
6. All expenses arising vi-Undescendent Testes.2
from AIDS and related Years
diseases
7. Cosmetic, aesthetic or vii -Cataract.2 Years
related treatment
8. Use of intoxicating viii-Surgery of benign prostatic
drugs, alcohol hypertrophy. 2 Years

9. Joint replacement ix-Hysterectomy for

surgery (other than due menorrhagia or fibromyoma.or
to accidents shall have a myomectomy or prolapse of
waiting period of four uterus .2 Years
years)

x-Fissure / Fistula in anus.2

Years
xiPiles. 2 Years
xiiSinusitis and related
disorders.2 Years
 xiii-Surgery of gallbladder and
bile duct excluding
malignancy. 2 Years
xiv-Surgery of genito urinary
system excluding
malignancy.2 Years
xv-Pilonidal Sinus.2 Years
xvi-Gout and Rheumatism.2
Years
xvii-Hypertension.2 Years
xviii-Diabetes.2 Years
xix-Calculus diseases.2 Years

xx-Surgery for prolapsed inter

vertebral disk unless arising
from accident.2 Years

xxi-Surgery of varicose veins

and varicose ulcers.2 Years

xxii-Congenital internal
diseases.2 Years
xxiii-Joint Replacement due to
Degenerative condition. 4
Years
xxiv-Age related osteoarthritis
and Osteoporosis..4 Years

List of first year exclusions <Provider does not share <Provider does not share this Hernia, Piles, Hydrocele, Congenital
this data> data> Internal disease/ defect, Sinusitis, Gall
Stone / Renal Stone removal /
treatment