Symbols

Existing Proposed ASG
Battery
S.No. Wt. in DWG (Kg)
type Plate +Ve wet paste Battery weight Plate +Ve Wet paste Battery weight
Plate type Plate type
count + Grid observed count + Grid observed
1 38B20R 11 5+5 G14HA / GN1 77+42 10.9 to 11.26 5+5 G20TSP / GN1 77+41 10.62 to 10.78
2 40B20L 11.1 5+6 G14HA / GN1 77+42 11.0 to 11.2 5+6 G20TSP / GN1 77+41 10.96 to 11.04
3 68D23L 18 6+6 C13HA / CN1 105.5+67 17.65 to 17.89 6+6 C13HA / CN1 106+56 17.24 to 17.35
4 DIN45L 13.2±3% 5+5 Z13HA / ZN1 91+56 13.14 to 13.51 5+5 Z14TSP / ZN1 91+45.7 12.92 to 13.05
5 DIN60L 16.5 [16.5±3%] 6+7 Z13HA / ZN1 91+56 16.57 to 16.81 6+7 Z14TSP / ZN1 91+45.7 15.92 to 16.92
6 DIN68L 18.1±3% 7+7 Z13HA / ZN1 91+56 18.38 to 18.56 7+7 Z14TSP / ZN1 91+45.7
50B20R
S.No. Test Description Requirement Export (G01TA/GEN1) - 5/6
1 2
1 20HR CAPACITY ≥ 40.0Ah 41.68 40.77
V_5sec ≥ 9.3V 10.47 10.44
2 HRD @-15°C
T_6V ≥ 3.30 minutes 4.31 4.5
3 RESERVE CAPACITY ≥ 52 minutes 57.83 56.66
4 SAE CCA @-18°C - 360A V_30sec ≥ 7.2V 7.38 8.09
5 CHARGE ACCEPTANCE@0°C I_10minute ≥ 4.0A 7.85 7.61
34B20L
S.No. Test Description Requirement G23TSP/GEN1 - 4/5
1 2
1 20HR CAPACITY ≥ 33.0Ah 39.63 39.93
V_5sec ≥ 9.3V 10.08 10.07
2 HRD @-15°C
T_6V ≥ 3.30 minutes 4.03 4.00
3 RESERVE CAPACITY ≥ 49 minutes 60.36
4 SAE CCA @-18°C - 272A V_30sec ≥ 7.2V 8.27
5 CHARGE ACCEPTANCE@0°C I_10minute ≥ 7.0A 2.65 2.80
GEN3 Recipe
S.No. Test name Requirement A B
1 C20 DCH ≥33Ah 40.3 39.8
V_5sec ≥ 9.30V 10.24 10.2
2 HRD @ -15°C
T_6V ≥ 3.30 min 3.3 3.2
3 RC ≥49min 53.6 54.38
4 CAT ≥7A 8.1 8.3
5 water loss @ 40°C < 1g/Ah – 28days 1.63
6 water loss @ 70°C < 6g/Ah – 28days 18.22
As per MG Motors batteries plate

B20 battery (
NO. Test Sequences proposition
1 2
1.1 Specific gravity 1.299 1.3
1.2 open circuit voltage 12.92 12.94
1.3 Internal resistance @25C 6.71 6.73
1.4 Weight 9.87 9.83
2 20hr rate capacity 33.0Ah 33.31 33.56
3 High rate discharge test
5th second voltage > 9.30V 10.08 10.04
Time to 6.0V > 3.30 min 3.53 3.6
4 Reserve capacity test >49 min 55.02 57.01
5 SAE Cold cranking ampere (CCA) 272A 8.14 8.35
6 Charge acceptance test > 7.0A 3.43 3.03
Water Loss for 28 days @70°C < 6.0g/Ah 9.09
before weights 9.77
7 After 28 days@70°C 9.47
End of current 0.22
I/P Ah 173.3
50B20R
G01TA/GEN1) - 5/6
3
40.53
10.49
4.45
57.83
8.01
8.37
34B20L 34B20L 34B20L 34B20L 34B20L

TSP/GEN1 - 4/5 G20TSP/GN3 - 4/5 G23TSP/GEN1 - 4/5 G20TSP/GEN1 - 4/5 G20TSP/GEN1 - 4/5
3 4 5 6 7 8 9 10 11
40.04 40.62 40.35 39.62 39.17 39.12 40.2 38.4 39.02
10.05 9.77 9.81 9.79 9.84 9.91 9.87 9.78 9.84
4.01 2.9 2.76 3.1 3.26 3.38 3.35 3.27 3.29
63.25 58.38 60.08 58.9
8.11 8.21 8.32 8.19
2.65 3.7 4.2 3.3 3.8 3.6 5.1 3.2 4.8
C D E F Remarks
39.87 39.71
10.24 10.27 - -
3.16 3.35
- - - -
10.7 10.2 10.73 10.18
1.63 1.97 B & C is calculated with
Ce & E is calculated with
18.56 22.27 Cn
tors batteries plates (i.e. Renault recipe)

B20 battery (4+5) B20 battery (5+5)
3 4 5 6 7 8 9 10 11
1.299 1.3 1.297 1.3 1.266 1.276 1.272 1.269 1.275
12.92 12.94 12.92 12.93 12.75 12.76 12.78 12.74 12.77
6.6 6.75 6.8 6.85 6.05 6.15 6.03 5.9 5.99
10.06 9.79 9.85 9.8 10.33 10.26 10.31 10.43 10.37
34.51 32.77 40.75 40.75 40.75 40.9
10.04 10.05 10.32 10.28 10.33 10.36

3.31 3.4 4.36 4.4 4.36 4.28
57.55 59.42
8.86 8.73
3.33 3.3 5.82 5.33 3.87 3.86 3.5 3 6.07
9.61 16.82
9.76 9.79
9.44 9.23
0.22 0.64
173.3 280.5
34B20L
G01TSP/GEN1 - 4/5
12 13
39.3 39.8
9.82 9.85
3.31 3.39
60.3
8.14
3.4 4.9
12
1.271
12.76
5.96
10.34
5.77
CLAIM SETTLEMENT RATIO
COMPANY NETWORK HOSPITALS
(avg. of last 3 years)
HDFC Ergo 97.50% 11,300+
Care 90.75% 9,400+
Niva Bupa (erstwhile Max Bupa) 90.66% 9,100+
Bajaj Allianz 94.04% 8,000+
ICICI Lombard 85.53% 7,500+
COMPANY NETWORK HOSPITALS
HDFC Ergo 11,300+
Star Health 14,000+

SBI 6,000+
Digit 16,400+
Niva Bupa (erstwhile Max Bupa) 9,100+
Care 9,400+
Bajaj Allianz 8,000+
Iffco Tokio 7,000+
National Insurance 3,200+
Royal Sundaram 10,000+
Health Insurance Company Claim Settlement Ratio (CSR) 2021-22

Care Health Insurance 100
Niva Bupa Health Insurance 99.99
Navi General Health Insurance 99.99
ManipalCigna Health Insurance 99.9
Aditya Birla Health Insurance 99.41
Star Health Insurance 99.06
Reliance General Health Insurance 98.65
HDFC Ergo Health Insurance 98.49
Liberty General Health Insurance 97.3
Zuno General Insurance 97.26
Go for a company that has a high claim settlement ratio.
Go for a Company that offers affordable health plans.
Go for a company that offers both family and individual health plans.
Choose a health insurance company that offers health plans with lifetime renewab
Go for a health insurance company that has more network hospitals.
There are 5 standalone health insurance companies in India:
Star Health and Allied Insurance
Care Health Insurance
Niva Bupa Health Insurance

Manipal Cigna Health Insurance
Aditya Birla Health Insurance
Best Health Insurance Plans in India, 2024
TOP HEALTH PLANS INSURER RATING FEATURE RATING

HDFC Ergo Optima Secure 4.5 4.5
Care Supreme 3.5 4.5
Niva Bupa Reassure 2.0 3.2 4.8
Aditya Birla Activ Fit 3.8 3.5
Bajaj Allianz Health Guard Gold 4 3
Outside of the top 5 we also have a few honorable mentions including:
ICICI Lombard Health AdvantEdge

Acko Platinum Health Plan
Star Health Assure
HDFC Ergo Optima Restore
Tata AIG Medicare Premier
COMPANY
GROSS WRITTEN PREMIUM (2020-21) TRACK RECORD RATING OUT OF 5
HDFC Ergo
₹4,281.6 Cr 20 years 4.42 Care
₹2,559.75 Cr 10 years 4.3 Niva Bupa
₹1,750.78 Cr 14 years 4 Bajaj Allianz
₹2,301.74 Cr 21 years 3.92
₹3,021.35 Cr 21 years 3.65
CLAIM
SETTLEMENT S.No
COMPANY RATIO
(avg. of last 3
1
years)
New India Assurance 99.88% 2
Oriental Insurance 97.60% 3
HDFC Ergo 97.50% 4
Iffco Tokio 97.02% 5
United India 96.63% 6
SBI 94.94% 7
Digit 94.23% 8
Bajaj Allianz 94.04% 9
National Insurance 93.76% 10
Edelweiss 93.16% 11
Royal Sundaram 93.11% 12
Aditya Birla 92.99% 13
Care 90.75% 14
Niva Bupa (erstwhile Max Bupa) 90.66% 15
Manipal Cigna 90.08% 16
TATA AIG 89.07% 17
Universal Sompo 87.59% 18
ICICI Lombard 85.53% 19
Bharti Axa 85% 20
Star Health 82.01% 21
Navi 74.07% 22
23
24
25
26
27
28
Selected Sum Assured Age
Inurance Plan
(1 year policy) 30 years 40 years 50 years
Rs. 9,051/ Rs. 14,798/
Rs. 5 Lakhs Rs. 7,864/ year
year year
Star Comprehensive Insurance Policy Rs.
Rs. 22,268/
Rs. 10 Lakhs Rs. 10,903/ year 13,200/
year
year
Rs.
Rs. 18,213/
Rs. 5 Lakhs Rs. 8,752/ year 10,942/ye
year
ar
Niva Bupa Reassure Health Insurance
Rs.
Rs. 21,407/
Rs. 10 Lakhs Rs. 9,507/ year 12,867/
year
year
Rs.
Rs. 21,579/
Rs. 5 Lakhs Rs. 12,331/ year 14,013/
year
year
HDFC Ergo Optima Secure
Rs.
Rs. 27,465/
Rs. 10 Lakhs Rs. 15,134/ year 17,376/
year
year
Rs.
Rs. 17,176/
Rs. 5 Lakhs Rs. 9,366/ year 11,378/
year
year
TATA AIG Medicare Plan (LITE)
Rs.
Rs. 18,390/
Rs. 10 Lakhs Rs. 10,055/ year 12,319/
year
year
Rs.
Rs. 18,576/
Rs. 5 Lakhs Rs. 10,256/ year 12,329/
year
year
Care Classic Health Insurance Plan
Rs.
Rs. 24,421/
Rs. 10 Lakhs Rs. 13,497/ year 16,169/
year
year
Rs. 8,560/ Rs. 13,480/
year year
Bajaj Allianz Health Insurance Plan (Gold Plan)
Rs. 9,960/ Rs. 15,760/
year year
Rs.
Rs. 14,372/
Rs. 5 Lakhs Rs. 8,182/ year 10,752/
year
year
ManipalCigna ProHealth Prime - Protect Plan
Rs.
Rs. 19,169/
Rs. 10 Lakhs Rs. 10,912/ year 14,253/
year
year
Rs. 7,136/
Rs. 5 Lakhs Rs. 4,777/ year Rs. 9,542/ year
year
Reliance Health Gain Insurance Plan Rs.
Rs. 13,492/
Rs. 10 Lakhs Rs. 6,755/ year 10,090/
year
year
Rs.
Rs. 18,859/
Rs. 5 Lakhs Rs. 6,559/ year 10,521/
year
year
Royal Sundaram Lifeline Supreme Plan
Rs.
Rs. 24,662/
Rs. 10 Lakhs Rs. 8,577/ year 13,758/
year
year
ns in India, 2024
FINAL
AFFORDABILITY
RATING
3.5 4.2
4.8 4
4.8 3.8
4.6 3.8
4 3.8
s including:
AFFORDABLE OPTION COMPREHENSIVE OPTIONS PREMIUM OPTIONS
myHealth Suraksha Optima Secure, Optima Restore None
Care Advantage Care Plus Care
ReAssure ReAssure Health Premia, Heartbeat
Health Guard Silver, Health Ensure Family Health Guard Gold, Platinum Health Care Supreme
Company Name Incurred Claim Ratio (2022-23) Solvency Ratio (2022-23)
Acko General Insurance Co. Ltd. 83.88 4.26
Bajaj Allianz General Insurance Co. Ltd. 74.27 3.68
Cholamandalam MS General Insurance Co. Ltd. 67.88 2.07
Future Generali India Insurance Co. Ltd. 79.18 1.86
Go Digit General Insurance Ltd. 71.87 1.96
HDFC ERGO General Insurance Co. Ltd. 79.04 1.75
ICICI Lombard General Insurance Co. Ltd. 77.33 2.51
IFFCO Tokio General Insurance Co. Ltd. 111.18 1.73
Kotak Mahindra General Insurance Co. Ltd. 56.01 2.95
Liberty General Insurance Co. Ltd. 74.17 2.34
Magma General Insurance Co. Ltd. 72.1 2.19
Navi General Insurance Co. Ltd. 59.28 2.69
Raheja General Insurance Co. Ltd. 138.67 1.96
Royal Sundaram General Insurance Co. Ltd. 83.36 2.17
SBI General Insurance Co. Ltd. 73.92 1.86
Tata General Insurance Co. Ltd. 78.33 1.97
Universal Sompo General Insurance Co. Ltd. 82.84 1.73
Zuno General Insurance Co. Ltd. 89.59 1.72
National Insurance Co. Ltd. 102.35 0.16
The New India Assurance Co. Ltd. 103.33 1.82
The Oriental Insurance Co. Ltd. 130.09 -0.63
United India Insurance Co. Ltd. 89.57 0.15

Aditya Birla Health Insurance Co. Ltd. 64.68 2.37
Care Health Insurance Ltd. 53.82 1.83
ManipalCigna Health Insurance Co. Ltd. 64.66 1.57
Niva Bupa Health Insurance Co. Ltd. 54.05 1.79
Reliance Health Insurance Ltd 86.31 1.6
Star Health and Allied Insurance Co. Ltd. 65 2.03
DIABETIC SPECIFIC POLICY CANCER SPECIFIC POLICY HEART SPECIFIC POLICY
Energy silver, Energy Gold None None
Care Classic Care Freedom Care Heart
None None None
None None None
Network Hospitals (2022-23)
14,300+
11,000+
10,000+
8430+
16,400+
12,000+
7,500+
7,000+
7,700+
5,000+
7.200+
12,000+
5,000+
10,000+
6,000+
10,000+
4,000+
10,000+
3,000+
2055+
3,500+
6,500+
11,000+
22,900+
18,000+
10,000+
9,100+
14,000+
SENIOR CITIZEN OPTIONS
Optime Secure
Care Senior
Senior First
Silver Health
Bishak Rating No. of Cashless Hospitals
ICICI Lombard Health AdvantEdge 4.9 7,500+
HDFC Ergo Optima Secure 4.6 12,000+
Niva Bupa Aspire (Titanium+) 4.6 10,000+
Niva Bupa ReAssure 2.0 (Titanium+) 4.5 10,000+
Tata AIG MediCare Premier 4.5 10,000+
Reliance General Health Gain (Power) 4.4 9,100+
Niva Bupa Health Companion 4.5 10,000+
Reliance General Health Infinity 4.4 9,100+
HDFC Ergo Optima Restore 4.4 12,000+
Tata AIG MediCare 4.3 10,000+
Aditya Birla Activ One (NXT) 4.3 11,000+
Aditya Birla Activ Assure Diamond 4.2 11,000+
Star Health Assure 4.2 14,000+
Royal Sundaram Lifeline (Supreme) 4.2 10,000+
Star Health Comprehensive 4.2 14,000+
Star Health Family Health Optima 4.2 14,000+
Royal Sundaram Multiplier 4.2 10,000+
Aditya Birla Activ Fit (Preferred) 4.2 11,000+
Bajaj Allianz My Health Care 4 18,400+
Bajaj Allianz Health Guard (Platinum) 3.9 18,400+
Care Insurance Care Supreme 3.8 22,900+
Care Insurance Care 3.3 22,900+
Manipal Cigna ProHealth Prime (Protect) 4 8,500+
ManipalCigna ProHealth (Plus) 3.9 8,500+
Bishak Rating No. of Cashless Hospitals

HDFC Ergo Optima Secure 4.6 12,000+
Niva Bupa ReAssure 2.0 (Titanium+) 4.5 10,000+
Reliance General Health Gain (Power) 4.4 9,100+
Niva Bupa Health Companion 4.5 10,000+
Aditya Birla Activ One (NXT) 4.3 11,000+
Star Health Comprehensive 4.2 14,000+
Care Insurance Care Supreme 3.8 22,900+
Claim Settlement Ratio (No. of claims) Claims Incurred Ratio % of Complaints received on overall claims
61.21% 78.73% 0.13%
83.31% 83.53% 0.08%
85.18% 65.44% 0.49%
85.18% 65.44% 0.49%
63.38% 76.13% 0.12%
85.52% 87.12% 0.02%
85.18% 65.44% 0.49%
85.52% 87.12% 0.02%
83.31% 83.53% 0.08%
63.38% 76.13% 0.12%
90.24% 72.71% 0.24%
90.24% 72.71% 0.24%
61.98% 65.41% 0.72%
64.53% 92.30% 0.15%
61.98% 65.41% 0.72%
61.98% 65.41% 0.72%
64.53% 92.30% 0.15%
90.24% 72.71% 0.24%
72.14% 81.10% 0.06%
72.14% 81.10% 0.06%
85.64% 56.19% 0.51%
85.64% 56.19% 0.51%
77.78% 65.08% 0.29%
77.78% 65.08% 0.29%
Claim Settlement Ratio (No. of claims) Claims Incurred Ratio % of Complaints received on overall claims
83.31% 83.53% 0.08%
85.18% 65.44% 0.49%
85.52% 87.12% 0.02%
85.18% 65.44% 0.49%
90.24% 72.71% 0.24%
61.98% 65.41% 0.72%
85.64% 56.19% 0.51%
% of claims settled in less than 30 days Response time on Toll-Free Response time on Twitter
99.74% Average Slow
95.75% Average Average
84.95% Quick Average
89.89% Average Quick
84.95% Quick Average
95.22% Average Slow
99.87% Slow Slow
95.22% Average Slow
95.22% Average Slow
99.87% Slow Slow
99.99% Quick Slow
99.99% Quick Slow
99.15% Slow Slow
99.15% Slow Slow
% of claims settled in less than 30 days Response time on Toll-Free Response time on Twitter
95.22% Average Slow
99.99% Quick Slow
% of Complaints received for after-sales service ICU Rent Limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.05% No limit
0.05% No limit
0.08% No limit
0.02% No limit
0.08% No limit
0.08% No limit
0.02% No limit
0.05% No limit
0.00% No limit
0.00% No limit
0.06% No limit
0.06% No limit
0.01% No limit (As an add-on)
0.01% No limit
% of Complaints received for after-sales service ICU Rent Limit

0.01% No limit
0.01% No limit
0.01% No limit
0.01% No limit
0.05% No limit
0.08% No limit
0.06% No limit
Room Rent Limit Post-hospitalization expenses covered up to
No limit Sum Insured
No limit (As an add-on) Sum Insured
Any room except Suite or above Sum Insured
Any room except Suite (As an add-on) Sum Insured
Any room except Suite or above (As an add-on) Sum Insured
Single Private Room Sum Insured
Single Private AC Room Sum Insured
Any room except Suite Sum Insured
Room Rent Limit Post-hospitalization expenses covered up to

No limit (As an add-on) Sum Insured
Any room except Suite (As an add-on) Sum Insured
Post-hospitalization expenses covered for Pre-hospitalization expenses covered up to
180 Days Sum Insured
90 Days Sum Insured
180 Days (As an add-on) Sum Insured
90 Days Sum Insured
60 Days Sum Insured
90 Days Sum Insured
90 Days Sum Insured
90 Days Sum Insured
90 Days Sum Insured
90 Days (240 Days as an add-on) Sum Insured
90 Days Sum Insured
60 Days Sum Insured
Post-hospitalization expenses covered for Pre-hospitalization expenses covered up to

180 Days (As an add-on) Sum Insured
90 Days Sum Insured
Pre-hospitalization expenses covered for Day Care Treatment- Financial Limit
60 Days No limit
60 Days No limit
60 Days No limit
60 Days No limit
60 Days No limit
90 Days (As an add-on) No limit
60 Days No limit
90 Days No limit
60 Days No limit
60 Days No limit
90 Days No limit
30 Days No limit
60 Days No limit
60 Days No limit
60 Days No limit
60 Days No limit
60 Days No limit
90 Days No limit
60 Days No limit
60 Days No limit
60 Days No limit
30 Days No limit
60 Days No limit
60 Days No limit
Pre-hospitalization expenses covered for Day Care Treatment- Financial Limit

60 Days No limit
60 Days No limit
90 Days (As an add-on) No limit
60 Days No limit
90 Days No limit
60 Days No limit
60 Days No limit
Day Care Treatment- No. of treatments covered Domiciliary Treatment- Covered up to
All treatments covered Sum Insured
All Treatments Covered Sum Insured
541 treatments Sum Insured
586 treatments covered 10% of Sum Insured
All treatments covered 14
399 treatments covered No
541 treatments covered 10% of Sum Insured
All treatments covered 10% of Sum Insured
546 treatments covered Sum Insured
Day Care Treatment- No. of treatments covered Domiciliary Treatment- Covered up to

Domiciliary Treatment- No. of illnesses not covered Organ Donor- Expenses covered up to
8 Sum Insured
0 Sum Insured
0 Sum Insured
0 Sum Insured
0 Sum Insured
15 50% of sum insured, up to a maximum of 5 Lakhs
0 Sum Insured
0 Sum Insured
0 Sum Insured
0 Sum Insured
0 Sum Insured
9 Sum Insured
Sum Insured Sum Insured
15 Up to 10% of SI, max up to Rs 1 Lakhs
0 Sum Insured
0 Sum Insured
15 Sum Insured
No Sum Insured
12 Sum Insured
12 1 Lakh
800.00% Sum Insured
8 Sum Insured
Domiciliary Treatment- No. of illnesses not covered Organ Donor- Expenses covered up to
0 Sum Insured
0 Sum Insured
15 50% of sum insured, up to a maximum of 5 Lakhs
0 Sum Insured
0 Sum Insured
12 Sum Insured
Organ Donor- Type of expenses covered Modern Treatment- Financial Limit
Harvesting expenses No limit
In-patient expenses No limit
Inpatient expenses No limit
Inpatient expenses No limit (Except robotic surgeries)
Inpatient expenses No limit (As an add-on)
Inpatient expenses Up to 50% of Sum Insured
Harvesting expenses No limit (As an add-on)
Organ Donor- Type of expenses covered Modern Treatment- Financial Limit

In-patient expenses No limit
Inpatient expenses No limit (Except robotic surgeries)
No Claim Bonus - Maximum bonus you can accumulate
100.00%
100.00%
300% / 500%/ 1000% - Based on entry age
1000.00%
100.00%
100.00%
100.00%
100% (As an add-on)
100.00%
100.00%
500% (Available as an add-on)
50.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
No
100.00%
50.00%
200.00%
200.00%
No Claim Bonus - Maximum bonus you can accumulate

100%
100%
100%
100%
500% (Available as an add-on)
100%
100%
No Claim Bonus -Reduction in accumulated bonus due to claim
No
No
No
No
Yes
No
No
No (As an add-on)
Yes
Yes
No (Bonus will be applied irrespective of claims made)
Yes
Yes
No
No (As an add-on)
No (Available as an add-on)
No
Yes
Yes
No
No
Yes
No
No
No Claim Bonus -Reduction in accumulated bonus due to claim

No
No
No
No
No (Bonus will be applied irrespective of claims made)
No (As an add-on)
No
No Claim Bonus- % bonus every year Maximum bonus you can accumulate
20% (Bonus will be applied irrespective of claims made) No
100.00% No
100.00% No
50.00% No
33.33% No
20.00% No
20% / 33% (As an add-on) No
50.00% No
50.00% No
100% (Available as an add-on) No
10.00% 100% (As an add-on)
25.00% No
20.00% No
100.00% No
25% in 2nd policy year and 10% in subsequent years No
20.00% No
10.00% 100% (As an add-on)
50.00% No
No 150.00%
50.00% 500%
10.00% 100.00%
25% (Bonus will be applied irrespective of claims made) 200% (As an add-on)
10% (Bonus will be applied irrespective of claims made) 200% (As an add-on)
No Claim Bonus- % bonus every year Maximum bonus you can accumulate
100% No
33% No
20% No
100% (Available as an add-on) No
100% No
50% 500%
Reduction in accumulated bonus due to claim
No
No
No
No
No
No
No
No
No
No
No
Yes (As an add-on)
No
No
No
No
No
Yes (As an add-on)
No
Yes
No
Yes
No (As an add-on)
No (As an add-on)
Reduction in accumulated bonus due to claim

No
No
No
No
No
No
No
% bonus every year
No
No
No
No
No
No
No
No
No
No
No
50% (As an add-on)
No
No
No
No
No
50% (As an add-on)
No
50% for first 2 claim-free years and 10% for next 5 claim-free years
100.00%
50.00%
50% (As an add-on)
25% (Available as an add-on & bonus will be applied irrespective of claims made)
% bonus every year

No
No
No
No
No
No
100%
No. of times refill can be applied Claim in which refill of cover can be applied
Once in a policy year Subsequent claims
Unlimited times in a policy year (As an add-on) Subsequent claims
Unlimited times in a policy year First paid claim
Once and Unlimited times in a policy year (As an optional cover) Subsequent claims
Unlimited times in a policy year (Available as an add-on) Subsequent claims
Unlimited times in a policy year Subsequent claims
3 times in a policy year Subsequent claims
Unlimited times in a policy year From the first paid claim
No. of times refill can be applied Claim in which refill of cover can be applied
Time when refill will trigger
Partial exhaustion of Sum Insured & No Claim Bonus
Partial exhaustion of Sum Insured
Full exhaustion of Sum Insured & No Claim Bonus

Partial exhaustion of Sum Insured
Illness for which refill will be applicable
Related and unrelated illness (including complications)
Related and unrelated illness
Unrelated illness (Available after 45 days for related illness)
Unrelated illness (including complications)
Unrelated illness (Related illness if you opt for an add-on)
Unrelated illness
Related and unrelated illness (including complications)
Unrelated illness
Unrelated illness
Unrelated illness (Available for related illnesses to different insured person)
Illness for which refill will be applicable

Refill of cover when sum insured exhausts Limit on Non Medical Expenses Cover on Non Medical Expenses
Yes No limit Available as an add-on
Yes No limit Yes
Yes No limit Yes
Yes No limit Yes
Yes No limit Yes
Yes No No
Yes Up to Rs. 50,000 Available as an add-on
Yes No limit Yes
Yes No No
Yes No limit Yes
Yes No No
Refill of cover when sum insured exhausts Limit on Non Medical Expenses Cover on Non Medical Expenses
Yes No limit Yes
Cataract treatment expenses covered up to
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
No limit
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
50,000 per eye per policy year, max up to 75,000
Sum Insured
Sum Insured
20% of the sum insured per eye per policy year, max up to 1 Lakh
20% of Sum Insured per eye per policy year, max up to 1 Lakh
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Cataract treatment expenses covered up to

Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Sum Insured
Joint replacement surgery expenses covered up to Pre-existing Disease Waiting Period
Sum Insured 24 Months
Sum Insured 36 months
Sum Insured 12 Months (As an add-on)
No limit 12 Months (As an add-on)
Joint replacement surgery expenses covered up to Pre-existing Disease Waiting Period

Sum Insured 36 months
Specified Treatment Waiting Period
24 Months
24 months
24 Months
24 Months
24 Months
24 Months
24 Months
12 Months (As an add-on)
24 Months
24 Months
24 Months
24 Months (48 Months for genetic disorders)
24 Months
24 Months
24 Months
24 Months
24 Months
24 Months (48 Months for genetic disorders)
24 Months
24 Months (36 Months for some conditions)
24 Months
24 Months
24 Months
24 Months
Specified Treatment Waiting Period

24 months
24 Months
24 Months
24 Months
24 Months
24 Months
24 Months
Co-payment
No co-payment
No co-payment
No co-payment (Yes, if you choose Borderless add-on)
No co-payment
No co-payment
No co-payment
No co-payment
10% (As an option)
No co-payment
No co-payment
No co-payment
20% for entry age 61 years & above
No co-payment
No co-payment
20% (if age at the time of entry is 60 years and above)
5%, 10%, 15%, 20% (As an option)
No co-payment
5%/10%/20% (As an option)
10% / 20% (As an option)
No co-payment
No co-payment
10% / 20% (As an option), Mandatory co-pay for entry age 65 & above
Co-payment
No co-payment
No co-payment
No co-payment
No co-payment
No co-payment
No co-payment
No co-payment
Deductible
No deductible
25K / 50K / 100K / 200K / 300K (As an option)
20K / 30K / 50K / 100K (Available as an option)
20K / 30K / 50K / 100K (As an option)
No deductible
10K / 25K / 50K / 100K (As an option)
1, 2, 3, 4, 5 & 10 Lakhs (As an option)
10K/25K/50K/100K (As an option)
No deductible
No deductible
No deductible
No deductible
50K / 100K (As an option)
No deductible
25K / 50K / 100K (As an option)
No deductible
No deductible
No deductible
No deductible
No deductible
No deductible
No deductible
No deductible
1 / 2 / 3 / 4 / 5 / 7.5 / 10 Lakhs (As an option)
Deductible
25K / 50K / 100K / 200K / 300K (As an option)
20K / 30K / 50K / 100K (As an option)
10K / 25K / 50K / 100K (As an option)
1, 2, 3, 4, 5 & 10 Lakhs (As an option)
No deductible
25K / 50K / 100K (As an option)
No deductible
No. of specific exclusions apart from the permanent exclusions
2 (Check the list above)
No. of specific exclusions apart from the permanent exclusions

Insurer name HDFC Ergo Optima Secure
Bishak Rating 4.6
No. of Cashless Hospitals 12,000+
Claim Settlement Ratio (No. of claims) 83.31%
Claims Incurred Ratio 83.53%
% of Complaints received on overall

0.08%
claims
% of claims settled in less than 30
95.75%
days
Response time on Toll-Free Average
Response time on Twitter Average
% of Complaints received for after-

0.01%
sales service
ICU Rent Limit No limit
Room Rent Limit No limit
Post-hospitalization expenses covered

Sum Insured
up to
Post-hospitalization expenses covered
180 Days
for
Pre-hospitalization expenses covered
Sum Insured
up to
Pre-hospitalization expenses covered
60 Days
for
Day Care Treatment- Financial Limit No limit
Day Care Treatment- No. of

All treatments covered
treatments covered
Domiciliary Treatment- Covered up to Sum Insured
Domiciliary Treatment- No. of

0
illnesses not covered
Organ Donor- Expenses covered up to Sum Insured
Organ Donor- Type of expenses covered In-patient expenses
Modern Treatment- Financial Limit No limit
No Claim Bonus - Maximum bonus you

can accumulate 100%
No Claim Bonus -Reduction in

accumulated bonus due to claim No
50% (Bonus will be applied

No Claim Bonus- % bonus every year
irrespective of claims made)
Maximum bonus you can accumulate No
Reduction in accumulated bonus due to

claim No
% bonus every year No
Unlimited times in a policy year

No. of times refill can be applied
(As an add-on)
Claim in which refill of cover can be
applied Subsequent claims
Partial exhaustion of Sum

Insured
Illness for which refill will be applicable Related and unrelated illness
Refill of cover when sum insured

exhausts Yes
Limit on Non Medical Expenses No limit
Cover on Non Medical Expenses Yes
Cataract treatment expenses covered up

to Sum Insured
Joint replacement surgery expenses

covered up to Sum Insured
Pre-existing Disease Waiting Period 36 months
Specified Treatment Waiting Period 24 months

Co-payment No co-payment
25K / 50K / 100K / 200K / 300K

Deductible
(As an option)
No. of specific exclusions apart from the
permanent exclusions 11 (Check the list above)
Zone based pricing
Discount at the time of renewal
Ambulance cover
E-Consultation
Ayush Treatment
Pay premium as per the city you live

in
In-Patient care
Annual Health Check-up
Air Ambulance
Instant Cover
Coverage Non-payable items during

Hospitalization
Initial Wait Period (not applicable on
accident)
Transportation Benefit
Grace period
Voluntary Co-payment discount
Renewal Discount
Girl Child Discount

Reliance General Health Care Insurance Care
Niva Bupa ReAssure 2.0
Infinity Supreme
4.5 4.4 3.8
10,000+ 9,100+ 22,900+
85.18% 85.52% 85.64%
65.44% 87.12% 56.19%
0.49% 0.02% 0.51%
99.95% 89.89% 99.99%
Average Average Quick
Average Quick Slow
0.01% 0.01% 0.06%
No limit No limit No limit
Sum Insured Sum Insured Sum Insured
180 Days 180 Days 180 Days
All Treatments Covered All treatments covered All treatments covered
0 0 12
Inpatient expenses Inpatient expenses Harvesting expenses
No limit (Except robotic

No limit No limit
surgeries)
100% 100% (As an add-on) 100%
No No (As an add-on) No
100% 20% / 33% (As an add-on) 50%
No No 500%
No No No
No No 100%
Once and Unlimited times in a
Unlimited times in a policy year policy year (As an optional Unlimited times in a policy year
cover)
First paid claim Subsequent claims First paid claim
Partial exhaustion of Sum Full exhaustion of Sum Insured & Partial exhaustion of Sum
Insured & No Claim Bonus No Claim Bonus Insured & No Claim Bonus
Related and unrelated illness Related and unrelated illness Related and unrelated illness
Yes Yes Yes
Available as an add-on Available as an add-on Available as an add-on
36 Months 12 Months (As an add-on) 12 Months (As an add-on)
24 Months 12 Months (As an add-on) 24 Months

No co-payment 10% (As an option) No co-payment
20K / 30K / 50K / 100K (As an 10K / 25K / 50K / 100K (As an
No deductible
option) option)
4 (Check the list above) 15 (Check the list above) 13 (Check the list above)
Available
For SI below `15 lac - up to

Upto 30%
`10,000
For SI `15 lac and above - up to
SI
Unlimited with General Physician
Sum Insured
Yes
Sum Insured
Once for all Insured every policy
year
Up to 5 lacs per year
For Hypertension or Diabetes or

Hyperlipidemia or Asthma post
initial wait period of 30 days.
68
30 days
Star Health Family Health
Star Health Assure Star Health Comprehensive
Optima
4.2 4.2 4.2
14,000+ 14,000+ 14,000+
61.98% 61.98% 61.98%
65.41% 65.41% 65.41%
0.72% 0.72% 0.72%
95.22% 95.22% 95.22%
Average Average Average
Slow Slow Slow
0.08% 0.08% 0.08%
Any room except Suite or above

Any room except Suite (As an add- Any room except Suite or above (As
(If SI is <10L, 1% of SI)
on) an add-on)
(If SI is >25L, anyroom)
All treatments covered All treatments covered All treatments covered
Sum Insured
(Treatment at home exceeding 03 Sum Insured Sum Insured
days)
14 13 15
Up to 10% of SI, max up to Rs 1
Lakhs
Inpatient expenses Inpatient expenses Harvesting expenses
No limit No limit (As an add-on) No limit (As an add-on)
100.00% 100.00% 100.00%
Yes No (As an add-on) No (Available as an add-on)
25% in 2nd policy year and 10% in

25.00% 100.00%
subsequent years
No No No
No No No
No No No
Unlimited times in a policy year Once in a policy year 3 times in a policy year
Subsequent claims Subsequent claims Subsequent claims
Partial exhaustion of Sum Insured & Full exhaustion of Sum Insured & Full exhaustion of Sum Insured &
No Claim Bonus No Claim Bonus No Claim Bonus
Related and unrelated illness Related and unrelated illness Unrelated illness
Yes Yes Yes
Yes Available as an add-on Available as an add-on
50,000 per eye per policy year, max

up to 75,000
36 Months 36 Months 48 Months
24 Months 24 Months 24 Months

20% (if age at the time of entry is
10% for entry age 61 years & above No co-payment
60 years and above)
50K / 100K (As an option) 25K / 50K / 100K (As an option) No deductible
11 (Check the list above) 15 (Check the list above) 11 (Check the list above)
Available
Insurance Coverage
1. Navi Health Insurance Personal Accident Insurance Policy
Coverage: Upto ₹1 crore

Fitness Status Bonus: 5% off on premium during renewal if the insured person walks an average of 4000 steps daily for a min
No Claim Bonus Reward: A percentage of total sum insured is carried forward to next year if you do not claim within the said
Minimum Premium: ₹235/month
2. Aditya Birla Capital Activ Secure Personal Accident

Besides being an active healthcare plan, Aditya Birla also has a vast network of hospitals to offer you a good treatment in time

Education Benefit: Lump sum payout of 10% upto ₹10 lakh for education cost of children.
Compassionate Visit: ₹10,000 to ₹25,000 for travel of a family member to visit you in hospital.
Minimum Premium: ₹212/year
3. Bajaj Allianz Premium Personal Guard Policy

This insurance policy is one of the affordable accident insurance plans for you and your family. The basic features available for
Coverage: Upto ₹25 lakh

Extensive Cover: Get 100% of sum insured incase of death and 125% in case of permanent disability.
Child Education Benefit: Get ₹5000 as one time payout towards your child’s education if you suffer through permanent disab
Minimum Premium: ₹1300/year.
4. Bharti AXA Insurance Smart Individual Personal Accident

This is also an affordable plan for individuals and families. Features available for this policy are mentioned below.

High Coverage: This policy pays upto 125% of sum insured incase of permanent disability.
Tax Benefits: You can enjoy tax benefits from this plan as per Income Tax Act 1961.
Minimum Premium: ₹24
5. Niva Health Insurance AccidentCare

You can get this plan for a low premium and get coverage anywhere in the world. Features of this plan are mentioned below.

Direct Claim Settlement: After you claim insurance the settlement will be executed directly by company executives without th
Global Coverage: If you purchase this plan, you will be covered by the insurance anywhere in the world, excluding hospital se
6. ICICI Lombard Personal Protect Personal Accidental Plan

One of the best features of this policy is its age criteria. You can insure yourself upto the age of 80 years. Other features are giv

Renewability: With this plan you can get the benefit of lifetime renewability.
Tenure: You can get a tenure of upto 5 years.
Minimum Premium: ₹366
7. Care Health Insurance Personal Accident Plan
This insurance policy has a 95% claim settlement ratio and affordable premium rates. Few features of this policy are mentione

Network Hospitals: This policy has close to 10,000 network hospitals to ensure your treatment.
Zero Waiting: There is no waiting period for this plan to claim an accident cover.
Minimum Premium: ₹456/month
8. HDFC ERGO General Insurance Personal Accident plan

Being one of the highest in terms of claim settlement, this plan has a 100% settlement ratio. Look at the basic features of this po
Coverage: NA
No Medical Checkup: You do not need a medical check up to claim insurance with this policy.
Renewability: This plan offers lifelong renewability for an insured person.
Minimum Premium: ₹24/day
9. Apollo Munich Individual Personal Accident Standard

This policy allows you to insure a person from the age of 91 days. Check out the other features listed below.

Discount: 10% If 2 members are insured under the same policy. 5% cumulative discount for no claim years.
Renewability: it offers lifelong renewability.
10. Star Health Accident Care Individual Insurance

There is a 90% claim settlement ratio for this insurance plan. It offers affordable rates and several other features that are mentio
Coverage: ₹15 lakh.

Transportation of imported Medicine: Upto 5% of total sum insured with maximum amount of ₹20,000.
Renovation/Repair: Upto 10% of total sum insured with maximum amount of ₹50,000.
Top 10 Personal Accident Insurance Plans in India for 2019

1. HDFC ERGO Personal Accident Insurance
The HDFC ERGO Personal Accident Plan helps you sail through accidents without any financial strains. This policy offers a single lump-sum compensation to cover for medic
Features:
Lifelong renewability
Worldwide coverage
Option to cover family
No medical checkups
Entry age – 18 to 70 years
What’s included?
Accidental death benefit – 100% of sum insured
Permanent total disability, broken bones, burns
Ambulance costs and hospital cash
2. SBI General Individual Personal Accident Insurance Policy
SBI General is the insurance wing of SBI, India’s largest public bank. This policy offers death benefits as well as disability benefits, along with several other allowances.
Features:
Policy available to salaried, business and self-employed people
Cumulative bonus available
Minimum coverage is Rs. 1 lakh and maximum coverage is Rs. 1 crore.
Sum insured for accidental death benefit is 120x the monthly gross income or annual gross earnings
Entry age for adults 18 to 65 years and for children ages 3 to 23 years
What’s included?
Death benefit and permanent total disability benefit
Add on covers include ambulance charges and hospital confinement allowance
Education benefit and adaptation allowance
3. Apollo Munich Individual Personal Accident Insurance
Apollo Munich offers two types of personal accident insurance plans.
i. Standard Plan
Features:
Sum insured – Rs 1 lakh to Rs 50 lakhs
Accidental death benefit, permanent total disability, partial total disability, family transportation, transportation of mortal remains, ambulance charges, education fund, and acci
Entry age – 91 days to 69 years
ii. Premium Plan
Features:
Sum insured – Rs 5 lakhs to Rs 5 crores
Accidental death benefit, permanent total disability, partial total disability, family transportation, transportation of mortal remains, ambulance charges, education fund, acciden
4. Max Bupa Personal Accident Insurance Policy
One of the top health insurers in India, Max Bupa, offers a robust personal accident plan that offers all-round protection to the insured in an accident. Apart from the included b
Features:
Individual or family coverage
Worldwide coverage
Choose from 2 or 3-year tenure
Cover ranges from Rs. 5 lakhs to Rs. 2 crores
Entry age – 18 years to 65 years
What’s included?
Death benefit
Permanent total disability, permanent partial disability, child education benefit, funeral expenses
Add-on covers temporary total disability, accidental hospitalization
5. Shriram General Personal Accident Insurance
Shriram General offers four different types of personal accident plans:
The Basic Plan – Offers coverage for accidental death, transportation of mortal remains, and children’s education benefits.
The Basic Plus Plan – Offers coverage for accidental death, children’s education benefits, and permanent total disability.
The Advance Plan – Offers coverage for accidental death, children’s education benefits, permanent total disability, and permanent partial disability.
The Comprehensive Plan – Offers coverage for accidental death, children’s education benefits, permanent total disability, permanent partial disability, and temporary total disa
6. ICICI Lombard Personal Protect Policy
ICICI Lombard is one of the leading general insurance companies in India. The personal protect policy is the personal accident insurance plan from ICICI Lombard.
Key Features
Choose from different coverage based on varying sum assured like Rs. 3 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs or Rs. 25 lakhs
No prior medical check-up required
Worldwide coverage
Easy claim policy with minimal documentation
Entry age 18 to 80 years
What’s included?
Coverage for accidental death, permanent total disability.
Add-on covers include accidental hospital daily allowance, accidental hospitalisation expenses
7. Star Health Personal Accident Care Insurance Policy
The personal accident insurance policy from Star Health protects you and your loved ones from a financial crisis during an emergency. It offers lump-sum compensation for de
Enhanced weekly compensation for up to 100 weeks
Cumulative bonus
Coverage up to 150% of the sum assured for permanent total disability
Entry age:
1. Adults – 18 to 70 years
2. Children – 5 months to 25 years
What’s included?
Coverage for accidental death, permanent total/partial disability, and temporary disability.
Educational grant for children, transportation of imported medicines, travel expenses for one relative
8. Religare General Personal Accident Insurance Policy
Religare General Personal Accident Insurance policy offers you extensive coverage during personal accidents. With easy claim settlements, hassle-free policy application, and
Features:
Sum assured ranging from Rs. 10 lakhs to Rs 50 lakhs
What’s included?
Accidental death, permanent total disability, permanent partial disability, fractures, burns, child education benefit, domestic road ambulance, and reconstructive surgery.
Add-on covers accidental hospitalization expenses, permanent total disablement improvement, temporary total disability, common carrier mishap cover, mobility cover, disapp
9. Bajaj Allianz Personal Guard
Bajaj Allianz offers three types of coverage under its personal accident insurance plan – Basic, Wider, and Comprehensive.
Features:
Compensation of up to 125% of the sum assured in case of permanent total disability
Family discount of up to 10%
Cumulative bonus ranging from minimum 10% to maximum 50%
Quick claim settlement
In-house health admin team
What’s included?
Accidental death benefit, permanent total disability, accidental medical expenses, child education benefit, and hospital confinement allowance.
10. Future Generali Accident Suraksha
Accident Suraksha is a personal accident insurance plan from Future Generali. This plan offers some of the most extensive add-on covers in the market.
Features:
Entry age
1. Adults – 18 to 70 years, with renewability up to 70 years
2. Children – 3 to 25 years
Worldwide cover
Family discount
Portability
Sum assured depends on gross monthly income
No pre-medical check-up
What’s included?
Death benefit, permanent total disability, permanent partial disability, temporary total disability.
Add-on covers include child education support, accidental hospitalization, accidental hospital allowance, road ambulance cover, chauffeur plan benefit, broken bones, loan pro
Sum
Insuranc Entry
Assured
e Plan Ages
Amount
Minimu
Standard
m - 91
:
days
Maximu
m - 69
years
Minimu
m-1
lakh
Maximu
m - 50
Apollo Munich Individual Personal Accident Standard
lakhs
Premium
:
Minimu
m-5
lakhs
Maximu
m-5
crores
Minimu Minimu
m - 18 m - 10
years lakhs
Bharti AXA Smart Individual
Maximu Personal Accident
Maximu
m - 70 m - 30
years lakhs
Minimu Minimu
m - 91 m - 15
days lakhs
Care Secure Maximu
Personal Accident
MaximuInsurance
m - 70 m - 25
years crores
Minimu Minimu
m-5 m - 10
years lakhs
Bajaj Allianz Maximu
Premium Personal
MaximuGuard Plan
m - 65 m - 25
years lakhs
Minimu Minimu
m - 18 m-3
years lakhs
ICICI Lombard PersonalMaximu
Maximu Protect
m - 80 m - 25
years lakhs
Minimu
Minimu
HDFC m - 2.5
m - NA
ERGO lakhs
Personal
Accident Maximu Maximu
Insuranc m - 65 m - 15
e years lakhs
Minimu
Minimu
m-5
m-5
months
lakhs
Maximu
m - 70
Star Health Accident Care Individual Insurance
years
Maximu
m - 15
lakhs
Minimu Minimu
m-5 m-
years 25000
United India Maximu
Personal Accident
MaximuInsurance
m - 70 m - 10
years lakhs
Minimu Minimu
m - 10 m-
years 25000
Oriental Janata Personal Accident Policy
Oriental Janata PersonalMaximu
Maximu Accident Policy
m - 80 m-5
years lakhs
Minimu Minimu
m-5 m-5
years lakhs
Reliance Personal
MaximuAccident Policy
Maximu
m - 70 m - 10
years lakhs
Minimu
m-5
years
National Insurance
Maximu Individual
NA Personal Accident Policy
m - 70
years
Minimu Maximu
m - 5 m - 72
years months
of
New India Personal Accident
incomePolicy
Maximu from
m - 70 gainful
years employm
ent
Top
Acci
dent
Insur
ance
Plan
s
from
the
Gove
rnme
nt of
India
:
The
Governm
ent of
India
offers two
active
plans that
can be
availed by
any
citizen of
India.
These
plans are
low cost
insurance
options
that are
aimed to
cultivate
the habit
of availing
insurance
options
among
the
common
people of
the
nation.
The plan
details
are
mentione
d in the
following
table -
Insurer Sum Acciden Perman

and Entry Assured tal ent Total
Insuranc Age Amount Death Disabilit
e Plan s Benefit y
Minimu
m - 18
years Minimum Yes, Yes,
and equal to
Pradhan Mantri Suraksha equal to
Bima Yojana
Maximu Maximu Accident
Sum
m - 70 m - 2 Assured
al Death
years lakhs Benefit
Minimu
m - 18
years Minimum Yes, an Yes, an
and
Aam Aadmi Bima Yojana amount amount
Maximu
of INR of INR
m-
75000 75000
30000
Minimum
Yes, an Yes, an
and
Aam Aadmi Bima Yojana amount amount
Maximu Maximu of INR of INR
m - 59 m - 75000 75000
years 30000
Wh
e of 4000 steps daily for a minimum 250 days.
ou do not claim within the said year.
you a good treatment in time of need. In addition they also have a 24/7 customer support facility. Is one of the best accidental insurance pl
The basic features available for this plan are given below.
uffer through permanent disability or death due to an accident.
mentioned below.
s plan are mentioned below.
company executives without third-party involvement.

he world, excluding hospital services, which is limited within India.
0 years. Other features are given below.

res of this policy are mentioned below.
k at the basic features of this policy below.
claim years.
l other features that are mentioned below.
mp-sum compensation to cover for medical expenditures incurred due to an accident. Additionally, the plan also secures your family’s day-to-day finances when the policyholder passes away
long with several other allowances.

bulance charges, education fund, and accidental medical expenses
bulance charges, education fund, accidental medical expenses, temporary total disability, broken bones, purchase of blood, transportation of imported medicines, modification of vehicle/reside
in an accident. Apart from the included benefits, policyholders can also choose various add-on covers to extend the coverage.
partial disability, and temporary total disability.
nce plan from ICICI Lombard.

y. It offers lump-sum compensation for death and disability due to an accident.
ments, hassle-free policy application, and minimal documentation, this is one of the most preferred personal accident plans in India.
ulance, and reconstructive surgery.

rier mishap cover, mobility cover, disappearance, loyalty benefit, and repatriation of mortal remains.
vers in the market.
ffeur plan benefit, broken bones, loan protector, adaptation allowance, life support benefit, air ambulance cover, adventure sports benefit, and family transportation allowance.
he best accidental insurance plans.
ances when the policyholder passes away due to an accident.
medicines, modification of vehicle/residence.
ransportation allowance.
Current FORD PDC supplies Amaron After sales / Expo
S.No. Battery typeBattery size
Battery weight
Skid Quantity No.of layers Pallet weight (~Kg) Skid Quantity
1 DIN36 T4 11.5 60 3 715 75
2 DIN43 T4 12.5 60 3 775 75
3 DIN52 T5 15 60 3 925 60
4 DIN60 T6 18 60 3 1105 45
5 DIN43 H4 13 60 3 805 75
6 DIN52 H5 15.5 60 3 955 60
7 DIN60 H6 18.6 60 3 1141 45
Amaron After sales / Exports etc.,
No.of layers Pallet weight (~Kg)
3 888
3 963
3 925
3 835
3 1000
3 955
3 862
S.No. Detail / Test UOM DIN55L – BEV DIN55L – BEV Proposal
1 Vehicle application - EV EV
2 Technology - SLI AGM
3 Battery Size - H4 H4
4 Grid types - Cast + Expanded Punched + Punched
5 C20 Ah 55 55
6 C5 Ah 44 44
7 CCA A 420 460
8 HRD @-15°C (300A) : V_5S V 7.8 8.5
9 HRD @-15°C (300A) : T_6V Minutes 1.8 2.0
10 RC Minutes 82 90
11 CAT @0°C A 11 12
12 LLE @40°C Cycles 3500 4800
13 SAE J240 @75°C Cycles 2800 10 unit (as per SAE J2801 @75°C)
14 Water loss @40°C g/Ah 2 <3.0g/Ah - 84 days @60°C
15 IEM test Cranks N/A 150K
16 Battery weight Kg 14 14 Approx.
17 17.5% DOD units - 18
18 50% DOD cycles - 360
19 Dynamic Charge acceptance A/Ah - 0.15
Recommended to use thermal sheild
20 Remarks - -
for >60°C
DIN60L – XUV3OO DIN60L – XUV3OO Proposal
ICE ICE
SLI AGM
H5 H4
Cast + Expanded Punched + Punched
60 55
48 44
540 540
8.5 8.7
2.5 2.5
110 100
13 14
4320 5760
3360 12 units (as per SAE J2801 @75°C)
2 <3.0g/Ah - 84 days @60°C
150K 160K
16.7 16 Approx.
- 18
- 360
- 0.15
Recommended to use thermal sheild
-
for >60°C
C20 RC CCA (SAE & EN) J2801(Min) J2801(Avg) No.of units of J2801
SLI 36 55 290 180 252 7.0
SLI 43 65 390 215 301 9.0
SLI 48 85 500 240 336 9.5
SLI 52 90 500 260 364 10.0
SLI 56 100 590 280 392 11.0
SLI 58 100 540 290 406 12.0
H5 (AGM) 60 100 680 300 420 12.0
T6 (EFB) 60 100 590 300 420 12.0
SLI 60 105 590 300 420 12.0
H6 (AGM) 70 120 760 350 490 15.0
SLI 70 125 680 350 490 15.0
SLI 72 130 650 360 504 15.0
T7 (EFB) 75 130 700 375 525 15.0
SLI 78 140 750 390 546 16.0
H7 (AGM) 80 140 800 400 560 16.5
SLI 80 135 700 400 560 16.5
T8 (EFB) 85 160 800 425 595 17.5
H8 (AGM) 92 160 850 460 644 18.0
Cycles
238
306
323
340
374
408
408
408
408
510
510
510
510
544
561
561
595
612
S.No. Parameters 3150Z-DN9B-E400 3150Z-DN9B-E100
0 Name Battery, LN1 Battery, 55B24
1 VOLTAGE 12V 12V
2 CAPACITY 5HR 36Ah 36Ah
3 CAPACITY 20HR 45Ah 45Ah
4 HRD @ -15℃ (300A), T_6V 1.5 MINUITS 1.5 MINUITS
5 HRD @ -15℃ (300A), V_5S 8.6V 8.6V
6 RECEIVE CAPACITY 70MINUITES 70MINUITES
7 COLD CRANKING AMPERE400 A 400 A
8 MASS T.B.D. T.B.D.

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Existing Proposed ASG

As per MG Motors batteries plate

34B20L 34B20L 34B20L 34B20L 34B20L

tors batteries plates (i.e. Renault recipe)

10.04 10.05 10.32 10.28 10.33 10.36

COMPANY NETWORK HOSPITALS

HDFC Ergo 11,300+

Star Health 14,000+

Health Insurance Company Claim Settlement Ratio (CSR) 2021-22

Go for a company that has a high claim settlement ratio.

Go for a Company that offers affordable health plans.

Go for a health insurance company that has more network hospitals.

There are 5 standalone health insurance companies in India:

Star Health and Allied Insurance

Care Health Insurance

Niva Bupa Health Insurance

TOP HEALTH PLANS INSURER RATING FEATURE RATING

Outside of the top 5 we also have a few honorable mentions including:

ICICI Lombard Health AdvantEdge

Oriental Insurance 97.60% 3

HDFC Ergo 97.50% 4

Iffco Tokio 97.02% 5

United India 96.63% 6

Bajaj Allianz 94.04% 9

National Insurance 93.76% 10

Royal Sundaram 93.11% 12

Aditya Birla 92.99% 13

Niva Bupa (erstwhile Max Bupa) 90.66% 15

Manipal Cigna 90.08% 16

TATA AIG 89.07% 17

Universal Sompo 87.59% 18

ICICI Lombard 85.53% 19

Bharti Axa 85% 20

Star Health 82.01% 21

Company Name Incurred Claim Ratio (2022-23) Solvency Ratio (2022-23)

Acko General Insurance Co. Ltd. 83.88 4.26

Bajaj Allianz General Insurance Co. Ltd. 74.27 3.68

Cholamandalam MS General Insurance Co. Ltd. 67.88 2.07

Future Generali India Insurance Co. Ltd. 79.18 1.86

Go Digit General Insurance Ltd. 71.87 1.96

HDFC ERGO General Insurance Co. Ltd. 79.04 1.75

ICICI Lombard General Insurance Co. Ltd. 77.33 2.51

IFFCO Tokio General Insurance Co. Ltd. 111.18 1.73

Kotak Mahindra General Insurance Co. Ltd. 56.01 2.95

Liberty General Insurance Co. Ltd. 74.17 2.34

Magma General Insurance Co. Ltd. 72.1 2.19

Navi General Insurance Co. Ltd. 59.28 2.69

Raheja General Insurance Co. Ltd. 138.67 1.96

Royal Sundaram General Insurance Co. Ltd. 83.36 2.17

SBI General Insurance Co. Ltd. 73.92 1.86

Tata General Insurance Co. Ltd. 78.33 1.97

Universal Sompo General Insurance Co. Ltd. 82.84 1.73

Zuno General Insurance Co. Ltd. 89.59 1.72

National Insurance Co. Ltd. 102.35 0.16

The New India Assurance Co. Ltd. 103.33 1.82

The Oriental Insurance Co. Ltd. 130.09 -0.63

United India Insurance Co. Ltd. 89.57 0.15

Network Hospitals (2022-23)

Bishak Rating No. of Cashless Hospitals

% of Complaints received for after-sales service ICU Rent Limit

Room Rent Limit Post-hospitalization expenses covered up to

Post-hospitalization expenses covered for Pre-hospitalization expenses covered up to

Pre-hospitalization expenses covered for Day Care Treatment- Financial Limit

Day Care Treatment- No. of treatments covered Domiciliary Treatment- Covered up to