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Comparison of Health Insurance Plans and Policies
With increased incidence of lifestyle diseases and rising costs of health care, medical expenses are unavoidable for all of us. To meet such expenses individuals often need to obtain loans or sell assets, such as vehicles and jewelry to cover treatment costs.
To avoid such disastrous financial situations, it is recommended that you avail a health insurance policy. Most insurance companies in India provide different kinds of health plans. Before you make a decision, it would be a good idea to compare health insurance plans from different institutions. The following table provides a health insurance comparison for single life and family floater health insurance provided by HDFC Life based on several parameters:
| Single Life | Family Floater | |||||
|---|---|---|---|---|---|---|
| Silver | Gold | Silver | Gold | |||
| Sum Insured | INR 3 lacs | INR 5 lacs | INR 3 lacs | INR 5 lacs | INR 7 lacs | INR 10 lacs |
| Pre-hospitalization days | 30 | 30 | 30 | |||
| Post-hospitalization days | 60 | 60 | 60 | |||
| Ambulance Cover | Up to INR 2000 | Up to INR 2000 | Up to INR 2000 per insured per policy | |||
| Domiciliary Hospitalization | ||||||
| Hospital Cash Benefit | INR 300 per day | INR 500 per day | INR 300 per day | INR 300 per day | INR 700 per day | INR 1000 per day |
| Wellness Benefit | Health vouchers (0.1% of sum insured) to be used within one year of issue | |||||
| Day Care Benefit | Available for more than 200 day-care procedures not requiring hospitalization exceeding 24 hours | |||||
| Donor Expense Benefit | Actual Expenses Incurred During Organ Donation Procedure | |||||
| Restore Benefit | Automatically restored to original sum insured in case original sum insured and multiplier benefit is exhausted | |||||
| Room Rent Enhancement | Sub-Limit of 1% of sum insured | Private room rent enhancement available | Sub-Limit of 1% of sum insured | Private room rent enhancement available | ||
| Maternity Benefit | NA | NA | NA | NA | Maximum of 3% of sum | |
| Benefit | assured per pregnancy | |||||
Waiting Period and Exclusions
30-days waiting period
Medical expenses incurred within 30 days from the commencement of the policy are not covered. Individuals are advised to compare health insurance terms and conditions to get a better understanding of such waiting periods and exclusions.2-years and more waiting period
When you compare health insurance plans, you need to check the conditions and treatments that have a longer waiting period of 2 or more years. Often conditions, such as bile duct stones, hemorrhoids, varicose veins, ulcers, and knee replacement surgeries have longer waiting periods. This means that if you need treatment for such conditions, the health plan will not cover the expenses until the end of the waiting period.Pre-existing conditions
Most insurance companies do not offer coverage for pre-existing conditions until a certain period from the commencement date of the policy. When you are doing a health insurance plan comparison, it is recommended that you check this period and avail a policy that has a lower waiting period if you suffer from any pre-existing condition. Pre-existing conditions are those medical ailments that you have already been diagnosed at the time of buying the policy. Individuals are advised to give truthful and accurate information while availing a health plan to ensure there are no issues in the future, when you need to file claims under the insurance policy.Health insurance is vital for every individual. The earlier you start investing in this type of insurance, the more beneficial it is. However, it is important for you to research the different products that are available before buying any plan.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
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