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Health Insurance 326 views 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.
Table of Contents
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 Comparison | HDFC Ergo Health Suraksha (Individual Gold) | ICICI Lombard Complete Health (Individual) |
|---|---|---|
| Hospitalization Charges Cover including Surgeon Fees, Anesthetic Charges, Nursing Charges | Actual Cost Incurred | Fully Covered |
| No. of Day Care Treatments Covered | 150 Days | 144 Days |
| OPD Cover | Not included | Not Included |
| Pre Health Check-up Age for taking the plan | After 45 Years | After 46 Years |
| Hospital Room’s Rent Cover | Actual Expenses | Actual Expenses |
| ICU’s Rent during Hospitalization | Covered | Covered |
| Ayurvedic Treatment Cover | Covered | Covered |
| Pre-Hospitalization Benefits | Actual Expenses for up to 60 Days | Actual Expenses for up to 30 Days |
| Post-Hospitalization Benefits | Actual Expenses for up to 180 Days | Actual Expenses for up to 60 Days |
| Organ Donor Expenses | Covered | Optional |
| Lifetime Renewability | Available | Available |
| Emergency Ambulance Cover | Covered up to INR 2000 | Covered up to INR 1500 |
| Tax Benefits | Under Section 80D of the Income Tax Act | Under Section 80D of the Income Tax Act |
| Domiciliary Treatment Cover | Included | Not Included |
| Maternity Expenses Cover | Waiting Period of 48 months will be applicable | You can take it as an optional cover |
| Hospital Cash Benefit | Optional Cover | Optional Cover |
| Recharge of the Sum Assured | Not Available | Available |
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 Comparison | HDFC Ergo Health Suraksha (Individual Gold) | ICICI Lombard Complete Health (Individual) |
|---|---|---|
| Minimum Age of Entry | 18 Years | 18 Years |
| Maximum Age of Entry | 100 years | Lifelong |
| Maximum Renewal Age | Lifelong | Lifelong |
| Policy Term | 1 Year and 2 Years | 1 Year and 2 Years |
| Minimum Amount of Sum Assured | Rs.7.5 Lacs | Rs.7 Lacs |
| Maximum Amount of Sum Assured | Rs.50 Lacs | Rs.10 Lacs |
| Waiting Period for the Pre-Existing Disease | 36 Months | 48 Months |
| Waiting Period of some of the Named Disease | 24 Months | 24 Months |
| Cashless Hospital Facility | 6000+ Hospitals | 4500+ 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 |
| Family Members Allowed | It is an Individual Health Insurance Plan | It 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.