Health Insurance Policy Feature Comparison
Choosing the right health insurance is crucial. This detailed comparison breaks down the key features of India's top plans, helping you make an informed decision based on your needs.
Disclaimer:
Most health insurance policies in India include the standard features required for a family. We request that you perform your due diligence before purchasing a product. Product features are sometimes upgraded, and we may have also made mistakes in the information presented. Booking a consulting session with us before buying a health insurance plan can be beneficial.
| Feature | HDFC ERGO Optima Secure | Zurich Kotak Health360 | Aditya Birla Activ One NXT |
|---|---|---|---|
| Sum Insured | 5L to 2 Cr | 5L to 5 Cr | 5L to 1 Cr |
| Room Rent Limit | No Limit | No Limit | No Limit |
| No Claim Bonus | 100% of SI (Secure Benefit) | Up to 100% | Up to 100% (HealthReturns™) |
| Restoration Benefit | Unlimited | Unlimited | Unlimited |
| Pre-Post Hospitalization | 60/180 Days | 60/180 Days | 60/180 Days |
| Day Care Procedures | All Covered | All Covered | All Covered |
| Domiciliary Hospitalization | Covered | Covered | Covered |
| Maternity Cover | Optional | Optional | Optional |
| Feature | Future Generali Health Absolute | IFFCO Tokio Health Protector | TATA AIG Medicare |
|---|---|---|---|
| Sum Insured | 3L to 1 Cr | 5.5L to 26L | 5L to 1 Cr |
| Room Rent Limit | No Limit | Depends on Sum Insured | No Limit |
| No Claim Bonus | 25% up to 100% | 50% up to 100% | 50% up to 100% |
| Restoration Benefit | 100% of SI | 100% of SI | Unlimited |
| Pre-Post Hospitalization | 60/90 Days | 60/90 Days | 60/90 Days |
| Day Care Procedures | All Covered | All Covered | All Covered |
| Domiciliary Hospitalization | Covered | Covered | Covered |
| Maternity Cover | Not Available | Not Available | Optional |
| Feature | Star Health Super Star | Liberty HealthPrime Connect | Niva Bupa ReAssure 3.0 |
|---|---|---|---|
| Sum Insured | 5L to 1 Cr | 10L to 1 Cr | 5L to Unlimited |
| Room Rent Limit | No Limit | No Limit | No Limit on Black variant |
| No Claim Bonus | 25% up to 100% | Up to 100% | Up to 30% (CashBag+) |
| Restoration Benefit | Unlimited | 100% of SI | Unlimited |
| Pre-Post Hospitalization | 60/180 Days | 60/180 Days | 60/180 Days |
| Day Care Procedures | All Covered | All Covered | All Covered |
| Domiciliary Hospitalization | Covered | Covered | Covered |
| Maternity Cover | Optional | Covered | Optional |