| Sr. No. | Parameters | Bajaj Allianz | TATA AIG | Care Insurance | HDFC Ergo | HDFC Ergo |
| 1 | Product name | Extra Care | Medi Plus | Enhance | Health Suraksha Top Up-Renewal | Optima Plus |
| 2 | Sum Insured -Deductible | a)10 lacs-3 lacs, b)12 lacs-4 lacs, c)15 lacs-5 lacs |
a)5 lacs -1lacs, b)5 lacs-2 lacs, c)5 lacs-3lacs d)5 lacs- 4 lacs e) 5 lacs-5 lacs |
SI_1 lacs to 25 lacs Deductible 1 lack to 10 lacs |
a)3 lack- 2 lacs b)5 lacs -3 lacs |
a)5 lack- 3 lacs b)5 lacs -5 lacs |
| 4 | Policy Type | Floater Policy with the single premium for the family | This policy can be issued to an individual and/or family. | Individual& floater | Individual& floater | Individual& floater |
| 5 | Policy Period | 1 year & 2 year | 1,2,3 years | 1 year,2 years | ||
| 5 | Family/Members | Self, spouse and 3 dependent children can be covered under the policy | The family includes self, spouse, dependent children and dependent parents. | 13 relationship(on single basis) | The family includes self, spouse, dependent children and (dependent parents-separate family floater). | |
| 6 | Age Limit | for proposer, spouse and parents is 18 yrs – 70 Years. for Children from 3 Months – 25 years .Also, Dependent parents can also be covered under this policy, a separate policy would be issued for parents | 91 days to 65 years. If dependent children are to be covered they, must be between the ages of 91 days and 21 years and unmarried. | for child 5 Yr to 24 years for Adult : 18 years to to no limit |
91 Days to 65 Years | 91 Days to 65 Years |
| 8 | Medical Tests | Medical tests (pre-policy check up) would be advised for members 56 years and above. | Pre medical test applicable for age above 50 years | Yes | yes, above 50years | yes |
| 9 | Discount | Not Available | 10% family discount if 2 or more family members are covered under same policy, An additional 7.5% discount by paying premium of 2 years in advance |
5% to 20 % | Avail a family discount of 10% for three or more members covered in same policy | Family discount of 10% if 2 or more family members are covered under same Policy. |
| Pre-existing waiting period | 48 months | Any listed illnesses / treatments will be covered after a waiting period of 24 months. Any pre-existing condition will be covered after a waiting period of 48 months |
48 months | 48 months | 48month | |
| Waiting Period | 30 days | 30 days | 30 days | 30 days | 30 days | |
| 10 | Coverages & Limit | |||||
| 11 | Medical Expenses | Covered | Covered | Covered | covered | covered |
| 12 | In patient Hospitalisation | yes | Covered | Covered | covered | covered |
| 13 | Day Care Treatment | Not available | Covered | Covered | covered | covered |
| 14 | Pre & Post Hospitalization | 60 & 90 days | 60& 90 days | 60 & 90 | 60 & 90 | 60 & 90 |
| 15 | Organ Donor | Not available | Covered | Covered | covered | covered |
| 16 | AYUSH | Not available | Not available | Not available | Not available | Not available |
| 17 | Domiciliary Hospitalization | Not available | Covered | Not available | covered | covered |
| 18 | Ambulance Expenses | maximum of Rs 3000 per valid hospitalization | maximum 2000 | Covered | upto 2000 | upto 2000 |
| 20 | Maternity Coverage | Not available | Not available | Not available | Not available | |
| 21 | New Born Care | Not available | Not available | Not available | Not available | |
| 23 | Out-Patient Treatment | Not available | Not available | Not available | Not available | |
| 24 | Additional Benefit | Yes Expert opinion |
