Health Insurance November 17, 2020

ICICI Lombard Complete Health Insurance Family Floater Plan Vs HDFC Ergo Health Suraksha Individual Gold Plan

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.

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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 ComparisonICICI Lombard Complete Health (Family Floater)HDFC Ergo Health Suraksha (Individual Gold)
Hospitalization Charges Cover including Surgeon Fees, Anesthetic Charges, Nursing ChargesFully CoveredActual Cost Incurred
No. of Day Care Treatments Covered144 Days150 Days
OPD CoverNot IncludedNot included
Pre Health Check-up Age for taking the planAfter 46 YearsAfter 45 Years
Hospital Room’s Rent CoverActual ExpensesActual Expenses
ICU’s Rent during HospitalizationCoveredCovered
Ayurvedic Treatment CoverCoveredCovered
Pre-Hospitalization ExpensesActual Cost for up to 30 DaysActual Cost for up to 60 Days
Post-Hospitalization ExpensesActual Cost for up to 60 DaysActual Cost for up to 180 Days
Organ Donor ExpensesOptionalCovered
Lifetime RenewabilityAvailableAvailable
Emergency Ambulance CoverCovered up to Rs.1500Covered up to Rs.2000
Tax BenefitsUnder Section 80D of the Income Tax ActUnder Section 80D of the Income Tax Act
Domiciliary Treatment CoverNot IncludedIncluded
Maternity Expenses CoverYou can take it as an optional coverWaiting Period of 48 months will be applicable
Hospital Cash BenefitOptional CoverOptional Cover
Recharge of the Sum AssuredAvailableNot 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 ComparisonICICI Lombard Complete Health (Family Floater)HDFC Ergo Health Suraksha (Individual Gold)
Minimum Age of Entry18 Years18 Years
Maximum Age of EntryLifelong100 years
Maximum Renewal AgeLifelongLifelong
Minimum Age of Entry for a Dependent Child3 MonthsNot Applicable to the Individuals Health Insurance Plan
Maximum Age of Entry for a Dependent Child20 YearsNot Applicable to the Individuals Health Insurance Plan
Policy Term1 Year and 2 Years1 Year and 2 Years
Minimum Amount of Sum AssuredRs.7 LacsRs.4 Lacs
Maximum Amount of Sum AssuredRs.10 LacsRs.5 Lacs
Waiting Period for the Pre-Existing Disease48 Months36 Months
Waiting Period of some of the Named Disease24 Months24 Months
Cashless Hospital Facility4500+ Hospitals6000+ 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

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.

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