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Health Insurance 798 views November 17, 2020
Nowadays, every individual buys a health insurance plan in order to protect his future from medical and health risks. But due to many insurance companies and many health plans, they are in dilemma to buy the best plan. It will become easy for you to choose a health plan if you know the differences among them. Therefore, in this article, you can explore the differences between ICICI Lombard Complete Health Insurance Family Floater Plan Vs HDFC Ergo Health Suraksha Individual Gold Plan. Both of these plans have their own benefits and coverage of risk. So, it is necessary that you must go through all the major differences between these plans and clear out your confusion.
Table of Contents
Comparison of Lombard Complete Health Insurance Family Floater and ERGO Health Suraksha Individual Gold Plan
Here you can see the risks that are covered in these plans. There are various types of hospitalization expenses that are covered in these plans but the actual sum of money for the coverage might vary. So, you must explore the differences between the benefits of these health insurance plans.
| Basis of Comparison | ICICI Lombard Complete Health (Family Floater) | HDFC Ergo Health Suraksha (Individual Gold) |
|---|---|---|
| Hospitalization Charges Cover including Surgeon Fees, Anesthetic Charges, Nursing Charges | Fully Covered | Actual Cost Incurred |
| No. of Day Care Treatments Covered | 144 Days | 150 Days |
| OPD Cover | Not Included | Not included |
| Pre Health Check-up Age for taking the plan | After 46 Years | After 45 Years |
| Hospital Room’s Rent Cover | Actual Expenses | Actual Expenses |
| ICU’s Rent during Hospitalization | Covered | Covered |
| Ayurvedic Treatment Cover | Covered | Covered |
| Pre-Hospitalization Expenses | Actual Cost for up to 30 Days | Actual Cost for up to 60 Days |
| Post-Hospitalization Expenses | Actual Cost for up to 60 Days | Actual Cost for up to 180 Days |
| Organ Donor Expenses | Optional | Covered |
| Lifetime Renewability | Available | Available |
| Emergency Ambulance Cover | Covered up to Rs.1500 | Covered up to Rs.2000 |
| Tax Benefits | Under Section 80D of the Income Tax Act | Under Section 80D of the Income Tax Act |
| Domiciliary Treatment Cover | Not Included | Included |
| Maternity Expenses Cover | You can take it as an optional cover | Waiting Period of 48 months will be applicable |
| Hospital Cash Benefit | Optional Cover | Optional Cover |
| Recharge of the Sum Assured | Available | Not Available |
Comparison of Eligibility Criteria of the Health Insurance Plans
Before you should invest in any health plan, you must explore the eligibility facts whether you are eligible to buy the plan or not. If your insurance requirements fit the eligibility criteria then you can easily take the plan. So, here is the comparison of the eligibility criteria of both the plans.
| Basis of Comparison | ICICI Lombard Complete Health (Family Floater) | HDFC Ergo Health Suraksha (Individual Gold) |
|---|---|---|
| Minimum Age of Entry | 18 Years | 18 Years |
| Maximum Age of Entry | Lifelong | 100 years |
| Maximum Renewal Age | Lifelong | Lifelong |
| Minimum Age of Entry for a Dependent Child | 3 Months | Not Applicable to the Individuals Health Insurance Plan |
| Maximum Age of Entry for a Dependent Child | 20 Years | Not Applicable to the Individuals Health Insurance Plan |
| Policy Term | 1 Year and 2 Years | 1 Year and 2 Years |
| Minimum Amount of Sum Assured | Rs.7 Lacs | Rs.4 Lacs |
| Maximum Amount of Sum Assured | Rs.10 Lacs | Rs.5 Lacs |
| Waiting Period for the Pre-Existing Disease | 48 Months | 36 Months |
| Waiting Period of some of the Named Disease | 24 Months | 24 Months |
| Cashless Hospital Facility | 4500+ Hospitals | 6000+ Hospitals |
| Co-Payment | Not Needed | Not Needed |
| Free-Look Period | 15 days if the policy is purchased from the company and 30 days if the policy is purchased online. | 15 days if the policy is purchased from the company and 30 days if the policy is purchased online. |
| Grace Period | 30 Days | 30 Days |
| International Treatments | Not Covered | Not Covered |
Conclusion
Once you have compared ICICI Lombard Complete Health Insurance Family Floater Plan Vs HDFC ERGO Health Suraksha Individual Gold Plan then it will be easy for you to choose the best plan. But if you want to cover your family members under the same plan then you must take the ICICI Lombard Complete Health Insurance Family Floater Plan otherwise for an individual cover the HDFC ERGO Health Suraksha Individual Gold Plan would be best for you.