Mr.

hasmukh patel 8128152287 Mumbai-400001 Self (36 Yrs) , Spouse (33 Yrs) , Son (3-6 Months Yrs) , Daughter (4 Yrs)

Health Shield Tata AIG MediCare Premier HDFC Ergo Family Floater Optima Restore

Sum Insured ₹5,00,000 ₹5,00,000 ₹5,00,000

Premium ₹20,604 ₹30,056 ₹27,037

ADDON BENEFITS
Cover upto Rs.5,000 per policy year, for Dental cover up to
Regular Medical Expenses ( OPD ) Not Available Rs.10,000 per policy year Not Available

Optional - On extra cost - ( A certain amount will be paid for a min of SI: upto 15 Lacs: Rs.800 per day, max Rs.4,800; Sl: 20 Lacs &
Daily Hospitalization Allowance 3 consecutive days; subject to max of 10 days or more) Covered for insured child above: Rs.1,000 per day, max Rs.6,000

Ayurveda/Homeopathy Covered Covered upto SI Not Available

Optional - On extra cost - ( For SI: 5 - 7 Lacs: Upto SI ; SI: 15 - 50

Critical Illness Benefit Lacs: Upto 50% of SI ) Not Available Covered (Optional)

Second E-Opinion On Critical Illness Available Available Available

Covers expenses incurred for Bariatric Surgery for treatment of

Bariatric Surgery Not Available Obesity and weight control Not Available

COVERAGE TERM
Pre-Existing Diseases After completion of 2 years of policy term After completion of 2 years of policy term After completion of 3 years of policy term

Optional - On extra cost - ( For SI upto 10 Lacs : 50% of SI for

every claim free years; subject to maximum 100% of SI; for SI 15
Lacs & above : 50% of SI for every claim free years; subject to 50% of SI for every claim free year; Subject to Maximum 100% of 50% of SI for every claim free years; subject to maximum 100% of
Bonus On Claim-Free-Year maximum 200% of SI SI; and will get reduced by 50% in case of claim SI

Automatic Restorartion of basic SI by 100% upon exhaustion of the Automatic Restoration of basic SI by 100% of the basic SI for same
Reload of Sum Insured Unlimited Reload of basic SI by 100% basic SI once in a policy year for another related & unrelated illness person same ilnesses also

Unlimited Restoration Unlimited Reload of basic SI by 100% Not Available Not Available

Day Care Treatments Available as per policy terms 540+ Day Care Treatments All Day Care Treatments

Mandatory Co-payment Applicable for only Worldwide cover feature upto 10%; if opted Not Available No Co-payment required

Waiver Of Mandatory Co-payment Not Available Not Available Not Available

Organ Donor Coverage SI: 5 & 10 Lacs: 1% of the SI; SI: 15 - 50 Lacs: Upto Rs.10 lacs Covered upto Basic SI Covered

EMERGENCY COVERAGE
SI: 5 & 10 Lacs: 1% of the SI; SI: 15 - 50 Lacs: Upto Rs.10,000 per
Ambulance Charges hospitalisation Covered upto Rs.5,000 Covered Upto Rs.2,000 per Hospitalisation

Worldwide Emergency Optional - On extra cost (With 10% Co-Pay as per policy terms) Avaialbe known as Global cover Not Available

Available for SI 10 Lacs & above, max 2.5 Lacs which will be
Air Ambulance Available within India Available reimbursed at the time of claim

HEALTH MAINTENANCE PROGRAM

Available for SI 5 Lacs: Once in 2 years; SI 10 Lacs & above: Once
Health Checkup Once every year, subject to a max of 2 coupons per year Available after 1 continuous claim free years, upto 1% of Basic SI every year

HOSPITALISATION CARE
Hospital Room Eligibility No Sublimits No Sublimits No Sublimits

Pre-Hospitalization Medical Expenses 30 days 60 days 60 days

Post-Hospitalization Medical Expenses 60 days 90 days 180 days

ICU Charges No Sublimits No Sublimits No Sublimits

Domiciliary(Home) Hospitalisation Available as per policy terms No Sublimits No Sublimits

INFORMATION
Waiting Period 30 Days from Policy Issuance Date 30 Days from Policy Issuance Date 30 Days from Policy Issuance Date

Tele-Medicals of all proposals above SI 10 Lacs and other SI above

45 years. Additional medical tests may be required on underwriter
Pre-Medical Checkup (Age) 46 years and above or 15 lacs & above SI discretion No Medicals Required

MATERNITY COVERAGE
Covered after completion of 4 years of policy term, upto a
maximum of Rs. 50,000/- (in case of birth of girl child cover would
Maternity Expenses Not Available be for Rs. 60,000) per policy. No limit on number of delivery events. Not Available

New Born Baby Expenses Not Available Covered Upto Rs. 10,000 Not Available

Vaccination Expenses Not Available Not Available Not Available

Note : This feature comparison is indicative please refer to policy wording for proper understanding