| Benefits | Family Plus-Royal Sundaram | Health companion – Max Bupa | Chola Tax Plus Healthline-Chola MS |
| Plans | |||
| Sum Insured (in Lakhs) | Individual Base Sum Insured – Rs.2lacs, Rs.3lacs, Rs.5lacs, Rs.10lacs, Rs.15 Lacs Floater Sum Insured – Rs.3lacs, Rs.4lacs, Rs.5lacs, Rs.10lacs, Rs.15Lacs,Rs20 lacs, Rs25 lacs & Rs 50 lacs. |
Individual & Floater base Sum Insured – 2 – 100lakhs | Rs.1/2/3/4/5 Lakhs |
| Policy Type | Individual and Family Floater combined, Individual Sum Insured has to be same for all members | Individual / Family Floater | Individual / Family Floater |
| Entry age | Minimum: 18 Years maximum: No restriction Children above 91 days can be covered |
For children – 91 days Minimum: 18 years Maximum: No restriction |
Entry age is 18 to 65 years dependent children (3 months to 35* years) *35 years for dependant female child and 25 years for dependant male child |
| Policy Term | 1, 2, 3 years | 1 and 2 years | |
| Relationship members covered under one policy | 20 Relationships can be covered under both individual plans | Max members – 6 Maximum Adults – 4 Maximum Children – 2 |
Self, Spouse and upto 3 children |
| Inpatient Treatment | Covered | Covered | Covered Room Rent-1% of Sum Insured (SI) Per day,Room Rent – ICU- 2% of SI Per day, |
| Day Care Procedures | Covered | Covered | Covered |
| Pre-Hospitalisation | 60days | 30days | Up to 60 days, Maximum 5% of Claim |
| Post-Hospitalisation | 90days | 60days | Up to 90 days, Maximum 10 % of Claim and up to Rs. 50,000 |
| Domiciliary Treatment | Covered | Covered | NA |
| Organ Donor | Covered | Covered | Covered |
| Ambulance | Covered with the sublimit of 4000 per hospitalization | Rs.3,000 per hospitalization | |
| Dental Treatment in case of Accidents | Inpatient Accidental Dental Treatment is covered | Not covered | Covered |
| AYUSH Benefit | Government Hospitals :Covered upto Sum Insured. Other Hospitals: Covered upto Rs. 30,000 | Covered | Not Covered |
| Daily Cash for accompanying an Insured child | Not covered | Not covered | |
| Vaccination (in case of Post Bite Treatment) | Vaccination in case of animal bite: upto 5000 rs. and in case of new born baby are covered: upto 15000 rs. | Vaccination in case of animal bite | |
| Out-Patient Treatment Cover after waiting period of 3 years | OPD Treatment is not covered | • Expenses of treatment of injury / illness incurred without hospitalisation. • Pre & Post natal expenses • Expenses on all pre existing diseases • All dental treatments • Treatments under Allopathy and any system of Indian medicine (other than naturopathy) are covered. • This section also covers costs of spectacles, contact lenses, hearing aids, prosthetic appliances, etc., supported by prescriptions of a Doctor / Medical Practitioner. • This section also extends to cover all deductibles under a valid claim made under Section-1 of this policy which may arise due to imposition of sub-limits |
|
| a) Out-patient Consultation | |||
| b) Diagnostic Tests | |||
| c) Dental Treatment | |||
| d)Spectacles, Contact Lens, Hearing Aids | |||
| Convalescence Benefit | Not covered | Covered | NA |
| Maternity Expenses | Medical Expenses for the delivery of a child where atleast two adult members are covered, after a waiting period of 2 years, subject to a maximum of Rs. 50,000 per | Covered | NA |
| New Born Baby cover | NA | ||
| Restore Benefit | NA | ||
| Cover for People Suffering from HIV | Not covered | NA | |
| Cumulative Bonus | Increase in SI by 20% per insured per policy year upto maximum of 100% | 5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured | |
| Health Check-up Coupon | Annual Health Check up available | Annual Health Check up available | NA |
| Dial a Doctor | Not covered | Not covered | na |
| Health Educational Library for People(HELP) | Not covered | Not covered | na |
| Second Option | Second opinion for critical illness covered | Not covered | na |
| Specialist Consultation with Two follow up session | NA | Not covered | na |
| Wellness Package | Provide various preventive healthcare & wellness related activities like health related articles, access to various preferred health maintenance network to maintain your health status. | NA | Covered |
| Newsletter | NA | na | |
| Personal Accident | NA | na | |
| Critical Illness | Covered upto SI | NA | na |
| Hospital Daily Cash | Hospital Cash (For 30 Days in case of Hospitalisation Beyond 2 Days): Rs.2000 Per day |
NA | na |
| Sub limits Applicability | NA | NA | Yes |
| Treatment only in tiered Network | NA | NA | na |
| Family Discounts on Individual Sum Insured Basis | NA | NA | na |
| Long Term Discount | NA | 12.5% on 2nd year | na |
| Pre-existing diseases | 36 Months | 36 Months | 48 month |
| Specified Diseases | 24 Months | ||
| Other benefits | NA |
