Health Insurance November 16, 2020

It is really important for every individual to secure their future health problems with a health insurance plan. A health insurance plan is always a solution to the financial problems that arise due to a medical emergency. But as there are a lot of health insurance plans and companies in our country so the individual gets confused among the plans. Here you can clear out your confusion between the HDFC Ergo Health Suraksha Individual Gold Vs ICICI Lombard Complete Health Insurance Individual Plan. These health plans will cover various types of health risks and you can enjoy a wide Sum Assured for various diseases. So, let’s compare the features, benefits, cover, and eligibility criteria of these health insurance plans.

Health Insurance

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Comparison of Ergo Health Suraksha Individual Gold and Lombard Complete Health Individual Plan

Now you must see the covers for various ailments and medical expenses that are provided in these health insurance plans. These benefits will help you to choose a better plan for yourself.

Basis of ComparisonHDFC Ergo Health Suraksha (Individual Gold)ICICI Lombard Complete Health (Individual)
Hospitalization Charges Cover including Surgeon Fees, Anesthetic Charges, Nursing ChargesActual Cost IncurredFully Covered
No. of Day Care Treatments Covered150 Days144 Days
OPD CoverNot includedNot Included
Pre Health Check-up Age for taking the planAfter 45 YearsAfter 46 Years
Hospital Room’s Rent CoverActual ExpensesActual Expenses
ICU’s Rent during HospitalizationCoveredCovered
Ayurvedic Treatment CoverCoveredCovered
Pre-Hospitalization BenefitsActual Expenses for up to 60 DaysActual Expenses for up to 30 Days
Post-Hospitalization BenefitsActual Expenses for up to 180 DaysActual Expenses for up to 60 Days
Organ Donor ExpensesCoveredOptional
Lifetime RenewabilityAvailableAvailable
Emergency Ambulance CoverCovered up to INR 2000Covered up to INR 1500
Tax BenefitsUnder Section 80D of the Income Tax ActUnder Section 80D of the Income Tax Act
Domiciliary Treatment CoverIncludedNot Included
Maternity Expenses CoverWaiting Period of 48 months will be applicableYou can take it as an optional cover
Hospital Cash BenefitOptional CoverOptional Cover
Recharge of the Sum AssuredNot AvailableAvailable

Comparison of Eligibility Criteria of the Health Insurance Plans

It is really necessary to find out whether you are eligible to take this plan or not. So, you must take a look at the eligibility criteria of these plans through which you will get to know about the age of entry, Sum Assured, and other details of these plans.

Basis of ComparisonHDFC Ergo Health Suraksha (Individual Gold)ICICI Lombard Complete Health (Individual)
Minimum Age of Entry18 Years18 Years
Maximum Age of Entry100 yearsLifelong
Maximum Renewal AgeLifelongLifelong
Policy Term1 Year and 2 Years1 Year and 2 Years
Minimum Amount of Sum AssuredRs.7.5 LacsRs.7 Lacs
Maximum Amount of Sum AssuredRs.50 LacsRs.10 Lacs
Waiting Period for the Pre-Existing Disease36 Months48 Months
Waiting Period of some of the Named Disease24 Months24 Months
Cashless Hospital Facility6000+ Hospitals4500+ Hospitals
Co-PaymentNot NeededNot Needed
Free-Look Period15 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 Period30 Days30 Days
International TreatmentsNot CoveredNot Covered
Family Members AllowedIt is an Individual Health Insurance PlanIt is an Individual Health Insurance Plan

Conclusion

Well, you have compared HDFC Ergo Health Suraksha Individual Gold Vs ICICI Lombard Complete Health Insurance Individual Plan and it would be easy for you to choose the appropriate one. On the other hand, both of these plans are an individual health insurance plan and you are not allowed to cover your family members under the same plan. If you want to cover your family members as well to the same plan then you will have to buy the family floater variant of the same plan. One of the major differences between these plans is that HDFC Ergo offers you a high limit of the Sum Assured and ICICI Lombard gives you the option to add multiple optional benefits to the same plan.

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