Health & Accidental Insurance provides you with a sense of security that you and your family are protected against sudden medical emergency or during the time of accident. With Health and accident cover you need not to worry about your Medical Expense in such contingency. We help you provide with the best Insurance cover.

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Features ICICI Lombard Bajaj-Allianz IFFCO-Tokio Royal Sundram TATA-AIG Reliance General
Age-Limit
3 months to 65 years(renewal upto 75 years)
3 months to 70 years(renewal upto 75 years)
3 months to 70 years
3 months to 60 years(renewal upto 70years)
6 months to 50 years
3 months to 75 years
Pre & Post Hospitalization Expenses
30 days Prior & 60 days Post Hospitalization Expenses
60 days Prior & 90 days Post Hospitalization Expenses
60 days Prior & 60 days Post Hospitalization Expenses
30 days Prior & 60 days Post Hospitalization Expenses
No
60 days Prior & 90 days Post Hospitaliazation Expenses
Pre-existing diseases (coverage after No of years)
Covered After 2 claim-free years
Covered After 4 claim-free years
Covered After 3 claim-free years
Covered after 5 claim-free years
Not covered
Covered after 2 claim free years
Cashless facility & Network Hospitals
Yes
Yes
Yes
No
Yes
Family Discount
10%
10%
10%
10%
Yes
Yes upto Rs. 1000
No Claim Discount
5% for Claim-free year with a maximum of 50%
No
No
No
No
5% for Claim-free year with a maximum of 50%
No Claim Bonus
No
5% for Claim-free year with a maximum of 50%
No
5% for Claim-free year with a maximum of 50%
5%
No
Maternity Benefits
No
No
No
No
No
No
Ambulance Charges
Covered
Upto Rs. 1000 only in emergency
Upto Rs. 1000 only
Subject to a limit of Rs. 1000/- per claim in emergency
Covered
No
Room & Boarding Expenses
Yes, No limit
Yes, No limit
Yes, No limit
Subject to a limit of 1.5% of Sum assured per day
Yes
Yes, No limit
Specified diseases excluded for
First two years
First two years
First year
First year
All diseases are covered
First two years
Income Tax benefit under Sec 80D
Yes
Yes
Yes
Yes
Yes
Yes
Accidental Cover
Yes
Yes
Yes
Yes
Yes
Yes

No Claim Bonus: It is the amount by which your sum-assured increases in case of claim-free year.
Family Discount: When the husband or wife and children or dependent parents are covered under one policy, a ceratin percentage of discount is given on total premium called Family discount.
No Claim Discount: It is the discount you get on premium amount in case of any claim-free year.

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