Five health plans of five different health insurance companies

For the following profile:-

 A family of husband (35), wife (33), son (6) & daughter (3)

Company

Policy NCB super Optima restore Health Health optima Active assure -
premium companion diamond
with health
recharge
Sum assured 5L 5L 10L 10L 10L

Term 1 YEAR 1 YEAR 1 YEAR 1YEAR 1YEAR

Approximate 16221/- 16442/- 16836/- 18119/- 19337/-

premium
amount
Incurred claim 51.97% 62.47% 50.19% 60.51% 89.05%
ratio (17-18)
Bonus on no 60% increase in 50% increase in Rs 1,00,000 25%(1st 10% increase in
claim Sum Insured Sum Insured increase in Sum year),10% Sum Insured
(max 150% and (max 100% and Insured per year (from 2nd (max 50% and
60% decrease 50% decrease year) increase 10% decrease in
in case of in case of in Sum Insured case of claim)
claim) claim) [max 100%
and 25%(1
year),10%
(from 2nd
year) decrease
in case of
claim]
Restoration of Full Full Reinstatement Full Reinstatement
Cover reinstatement reinstatement up to Rs reinstatement of 150% of Sum
up to Sum up to Sum 5,00,000 once in up to Sum Insured once in
Insured once in Insured once in a yea Insured (max a year
a year a year thrice per
year)

Health check- Once in a year Up to Rs Once in 2 year Up to Rs 2,000 Once in a year

ups 2,500(Rs 1,500 once every
for Individual) claim free year
at 2 years end
Before Medical Medical Medical Medical Medical
Hospitalizatio Expenses Up to Expenses Up to Expenses Up to Expenses Up Expenses Up to
n 30 days before 60 days before 30 days before to 60 days 30 days before
hospitalization hospitalization hospitalization before hospitalization
will be covered will be covered will be covered hospitalization will be covered
will be
covered
After Medical Medical Medical Medical Medical
Hospitalizatio expenses Up to expenses Up to expenses Up to expenses Up expenses Up to
n 60 days after 180 days after 60 days after to 90 days 60 days after
hospitalization hospitalization hospitalization after hospitalization
will be covered will be covered will be covered hospitalization will be covered
will be
covered
Hospitalizatio Treatments Treatments Treatments Treatments Treatments
n at Home done at home done at home done at home done at home done at home
due to patient due to patient due to patient due to patient due to patient
condition or condition or condition or condition or condition or
unavailability unavailability unavailability of unavailability unavailability of
of hospital bed of hospital bed hospital bed are of hospital hospital bed are
are covered Up are covered Up covered Up to bed are covered Up to
to 50,000 to Sum Insured Sum Insured covered Up to 1,00,000
Sum Insured
Alternate Up to Rs Not Covered Up to Sum Up to Rs Up to Rs 20,000
Medicine 20,000 for Insured for 15,000 for for utilizing
utilizing AYUSH utilizing AYUSH utilizing AYUSH
AYUSH
Network 4900+ Network 4105+ Network 4600+ Network 8200+ 5000+ Network
Hospitals hospitals offer hospitals offer hospitals offer Network hospitals offer
Covered cashless cashless cashless hospitals offer cashless
hospitalisation hospitalisation hospitalisation cashless hospitalisation
hospitalisation

Family Floater Up to 2 Adults Up to 2 Adults Up to 2 Adults Up to 2 Adults Up to 2 Adults

Option and 3 Children and 4 Children and 4 Children and 4 Children and 4 Children
Ambulance Up to Rs 2,000 Up to Rs 1,500 Up to Rs 750 Up to rs
charges per per per 2000
Up to Rs 2,000 hospitalisation hospitalisation hospitalisation per
per hospital
hospitalisation isation

Worldwide Not covered Not covered Not covered Not covered Evacuation
charges world-wide
Covered Up to
sum insured