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No room rent limit
This plan covers medical expenses related to pre-existing diseases (PEDs) such as asthma, hypertension, cholesterol, and diabetes starting from the 31st day of the policy. It is a great option if you want a plan that provides comprehensive coverage as well as a variety of unique benefits and features. From the first day of coverage, your base sum insured will be doubled under this plan. The plan allows you to pay your premiums monthly and covers several costs including the cost of consumables, dental treatment, maternity expenses, OPD expenses, i.e., day-to-day expenses for medicines, tests, consultations, etc. On the flip side, however, it is more expensive in comparison to other plans in the market. Further, as per our research, the insurer has received fewer claim settlement complaints but a higher number of policy purchase complaints.
Covers asthma, BP, cholesterol, diabetes from day 31
No restrictions on hospital room you can choose
Doubles the cover amount from day 1
ILM Ratings
Up to 6,000/- per day
This plan is specifically designed for senior citizens. While it covers hospitalization and associated expenses, it does not offer comprehensive coverage. Important benefits such as domestic treatment and organ donor coverage are missing, and there are limitations on core benefits, like modern treatment coverage. Additionally, there is no option for monthly premium payments and it is expensive compared to other products in the market. Further, our research indicates that the insurer has received a higher number of claim settlement complaints as well as policy purchase complaints, suggesting a poor track record in terms of both purchase and claims service experience.
Covers outpatient department costs, such as medications, consultations, etc.
Pre-medical screening is not mandatory required irrespective of age
Our study observed their responses on Twitter to be relatively quicker than other insurers
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