| Coverage | ICICI- LOMBARD | Bajaj-Allianz | Royal Sundaram | Reliance General Insurance | Star Health | Cholamandalam |
| Family Floater | Star Package | Health shield | Health Wise policy | Family Health Optima | Chola Family Insurance Plan | |
| Pre & Post Hospitalization Expenses | 30 days prior and 60 days after hospitalisation | 60 days prior and 90 days after hopitalization |
30 days prior and 60 days after hospitalization. | Reliance Standard: 30 days prior and 60 days after hospitalization, Reliance Silver: 60 days prior and 90 days after hospitalisation |
30 days prior and 7% of the hospitalisation expenses in Post hospitalization, max up to Rs. 5000 | 60 days prior and 90 days after hospitalization |
| Room & Boarding Expenses | Covered No limit | Covered, No Limit | Reimbursment up to 1.5% | Covered | It ranges from Rs. 500-Rs. 1500 depending on the city | Rs. 1500-Rs. 3000 |
| Pre-existing diseases | Covered after 4th year | Covered after 4th year | Covered after 4th year | Reliance Silver - Covered after 2nd year Reliance Standard- Covered after 4th year |
Covered | - |
| Eligibility | Senior most family member: 19 - 60 years (Renewable till of 70 years) Others members: less than 19 years |
18 yrs - 55 yrs (Renewable till of 70 years) Children 3 yrs - 5 yrs if both the parents are insured, 6yrs - 18 yrs if one parent is insured. |
Self, Spouse and dependant parents up to the age of 50 years and dep children(91 days- 18 yrs) | 3months - 65 years. | 5 months - 60 years | up to 55 yrs for proposer and 65 for parents |
| Cashless Facility | over 4500 network hospitals in India | over 2400 hospitals in India |
over 2000 hospitals in India | Over 4,300 hospitals in India. | - | over 1300 hospitals in India |
| Bonus | No | 5% | Limit shall be increased by 5% every year, max up to 10 years |
5% on every claim renewal max up to 50% | No | - |
| Family Discount | 5% discount on premium for every claim free year | 10-15% long term discount, if policy is taken for 2 or more years | 10% for covering 3 or more family members |
Reliance Silver: up to Rs 750 Reliance Standard: up to Rs 500 |
10% discount on Premium on the renewal of the policy in the claim free year |
5% for 2 People, 10% for 3 or more peopple |
| Ambulance Charges | - | covered emergency charges (upto Rs 1000) |
Ambulance referral facilities |
covered from Rs 500 to Rs1000 | 750, max up to 1500 | coverage for expenses incurred on it to nearest hospital up to Rs 1000/- |
| Health Check-up | Above 55 years | Above 45 years | Above 50 yrs | Above 45 yrs | Above 60 yrs | - |
| Cost of Health Check up | Free health check-up coupon for any one insured family member. | yes,reimburse max up to Rs 1000/- after 4 claim free years | yes, reimburse max up to Rs 750/- after 5 claim free years | free Check up after 4 claim-free renewals. | - | reimburse the exp incurred for general health and eye exam |
| Sum-Assured | 1 lakh to 4 lakhs | 0.5 lakhs to 10 lakhs | 1.5 lakhs to 5 lakhs | 2 lakhs to 5 lakhs | 1 lakh to 5 Lakhs | 2 lakhs to 10 lakhs |
