Health Insurance November 16, 2020

ICICI Lombard Complete Health Insurance vs HDFC Ergo Health Suraksha Plan

There are many health companies that are selling a health insurance plan. As the benefits of the policies are almost the same so it becomes confusing for the individuals to buy the best plan. Many individuals are confused between the ICICI Lombard Health Insurance vs HDFC Ergo Health Suraksha Plan. So, in this article, you will discover the major differences between these two health insurance plans on the basis of their benefits and eligibility. Therefore, you must go through all the differences and then choose the best option for yourself. Health plans are usually determined on the basis of their coverage and compensation.

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Comparison of ICICI Complete Health and HDFC Health Suraksha Plan

Here you can see the comparison between the benefits of both these plans. Once you know the benefits and coverage of these plans then it would be easy for you to choose the best one.

Basis of ComparisonICICI Lombard Complete HealthHDFC Ergo Health Suraksha
Hospitalization Charges including Surgeon Fees, Anesthetic Charges, Nursing ChargesFully CoveredActual Cost Incurred
No. of Day Care Treatments Covered in the Plan144 Days150 Days
OPD BenefitsNot IncludedNot Included
Pre Health Check-up AgeAfter 46 YearsAfter 45 Years
Room’s Rent CoverActual ExpensesActual Expenses
ICU’s RentCoveredCovered
AYUSH TreatmentCoveredCovered
Pre-Hospitalization CoverActual Expenses for up to 30 DaysActual Expenses for up to 60 Days
Post-Hospitalization CoverActual Expenses for up to 60 DaysActual Expenses for up to 180 Days
Organ Donor ExpensesOptionalCovered
Lifetime RenewabilityAvailableAvailable
Emergency Ambulance CoverCovered up to INR 1500Covered up to INR 2000
Tax BenefitsUnder Section 80D of the Income Tax ActUnder Section 80D of the Income Tax Act
Homecare 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

Now you must go through the eligibility criteria of both the plans because it will help you to determine whether you can take this plan or not. The eligibility criteria include the age of entry, policy term, and many other things. So, you must explore all of them before buying the plan between these two.

Basis of ComparisonICICI Lombard Complete HealthHDFC Ergo Health Suraksha
Minimum Age of Entry18 Years18 Years
Maximum Age of EntryLifelong100 years
Minimum Age of Entry for a Dependent Member3 Months91 Days
Maximum Age of Entry for a Dependent Member20 Years21 Years
Maximum Renewal AgeLifelongLifelong
Policy Term1 Year and 2 Years1 Year and 2 Years
Minimum Amount of Sum AssuredRs.3 LacsRs.3 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
Family Members AllowedSelf, Spouse, Parents, and Dependent ChildrenSelf, Spouse, Parents, and Dependent Children

Conclusion

Well after exploring the differences between ICICI Lombard Complete Health Insurance vs HDFC Ergo Health Suraksha Plan it would have become easy for you to choose the best plan for your family. Both these plans are a family floater plan in which you can cover your family member under the same plan. On the other hand, they will give you wide coverage so that you can maintain your financial stability during a medical emergency. Compare all the key points of these plans and then buy one as per your needs. There are many optional benefits that you can add to these plans for enjoying more coverage under the same policy.

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