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 list of 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.