Health Insurance Policies with 1 Cr Sum Insured

Manipal Cigna ProHealth Premium Plan Niva Bupa Aditya Birla Health Insurance New India Assurance Care Insurance
Features / Name of the product Cigna TTK Pro Health Premium Plan Health Companion (Variant 3) Activ Health Enhanced New India Premier Mediclaim Care
Minimum age 91 days 91 days 91 days 3 months 91 days
Maximum age 65 years No restriction No restriction 65 years No restriction
In-patient hospitalization Covered Covered Covered Covered Covered
Pre- hospitalization 60days 30 days 60days 60days 30 days
Post hospitalization 180 days 60 days 180 days 90 days 60 days
Day care Treatment Covered Covered Covered Covered Covered
Domiciliary Treatment Covered Covered Covered Not Covered 10% of SI
Ambulance Cover Actual Expenses paid per hospitalization event Up to 3,000 upto Rs 5000/ hospitalization I  a non network hospital Up to Rs 100,000 Rs.3,000/ hospitalization
Donor Expense Covered Covered Covered Covered Up to Rs.500,000
Worldwide Emergency Cover Covered, max up to Rs. 10 L Covered Covered
Health Maintenance benefit Covered up to 15k/policy Optional Cover
Wellness Coach Covered Optional Cover
AYUSH Treatment Covered Covered Covered up to 20% of SI Up to Rs.50,000
Hazardous sport covered up to 10% of SI Not Covered
HIV AIDS Not covered Rs 500,000 Not Covered
Maternity Expense Covered upto 50k for normal delivery and 100,000 for C-Section per event after a waiting period of 48 months Covered After 36 months, up to Rs. 100,000 After 24 months, Up to Rs. 2,00,000
New born Baby Covered Covered Covered Covered
First Year Vaccination Covered Covered Up to Rs. 10,000
No claim Bonus / Cumulative Bonus 10% 20% 20% Not applicable 10 %, No Claims Bonus Super (Optional Cover)
Vaccination for Animal Bite Covered Up to Rs. 7500
Health Check-up Available at each renewal Annual Once in a policy year After every block of two Claim free years max up to Rs 10,000 At each Renewal
Dental Treatment Covered
Expert/Second opinion on Critical illness Available once during the policy year covered Rs 8000
Psychiatric & Psychosomatic disorder Covered
Treatment for Obesity Covered
Dietician Counselling Covered up to Rs. 5000
Hospital cash Rs. 4000/day Rs 500 to Rs 5000 Rs 4000/day For maximum 30 days
Critical Illness Rs 500000 if diagnosed for the first time
Ayurvedic Treatment Covered – 20% of SI Up to Rs.50,000
Sum Insured 100 Lac (1 Cr) Rs- 2 lac – 2 Cr Plan A: 15 lac & 25 Lac
Plan B: 50 lacs & 100 lac
Up to 6 Cr
Tenure 1 Years, 2 years, 3 years 1 year & 2 years 1 Years, 2 years, 3 years 1 year 1 Years, 2 years, 3 years
Premium ₹ 31,032 ₹ 21,198 ₹ 30,984 ₹ 46,154 ₹ 48,264
* premium for person age 30 years on SI 1 Cr on individual SI Basis for policy tenure of 1 year without any add on coverage
Particular Manipal Cigna ProHealth Premium Plan Max Bupa Aditya Birla Health Insurance New India Assurance Care
Name of the product Manipal Cigna ProHealth Premium Plan Health Companion (Variant 3) Activ Health Enhanced New India Premier Mediclaim Care
Waiting periods
Pre-existing disease 36/48months 36 months 36 months 36 months 48 months
OPD Treatment 24 months Covered limit Rs 10000 24 months Optional Cover
Maternity Expense 48 months Not Covered 48 months 36 months 24 months
Vaccinations 48 months Upto 7,500 (for animal bites only) Not applicable Not applicable Upto Rs. 10,000
First 30 days waiting Yes Yes Yes Yes Yes
Specific illnesses 24 months 24 months 24 months 24 months 24 months
Co-pay 10% & 20% (can be waived on premium) 20% (as chosen by insured) Not applicable Not applicable Not applicable
Recovery Benefit Not applicable Not applicable 1% of Max Rs 10000 Not applicable Not applicable
Cumulative bonus 10% 20% 20% Not applicable 10%