Health Insurance November 20, 2020

Max Bupa Health Companion Family First Vs HDFC Health Suraksha Gold with Regain Comparison

It is really necessary for every individual to secure their family and themselves from the health risks by taking a health insurance plan. It protects the individual from many medical risks that could arise in the future. Once you have taken a health insurance plan then it will be very useful to maintain financial stability when you go through a medical emergency. But there are many individuals who are confused between Max Bupa Health Companion Family First Vs HDFC Health Suraksha Gold with Regain plan. Both of these plans provide various health benefits so it is necessary that you should know the differences between these two plans.

Investment

To know the right investment, please fill the details below and our policy experts will get in touch with you

+91

Comparison of Max Bupa Health Companion and HDFC Health Suraksha Gold Plan

Now, you must go through the various health expenses that are covered in these plans. You can compare the risk that will be covered in these plans and find the best plan as per your requirement. Once you know the difference then it will be easy for you to select one plan for yourself.

Basis of ComparisonMax Bupa Health Companion Family FirstHDFC Ergo Health Suraksha Gold with Regain
Hospitalization Charges Cover including Surgeon Fees, Anesthetic Charges, Nursing ChargesFully CoveredActual Cost Incurred
Day Care Treatments CoverYesYes
OPD CoverNot IncludedNot included
Pre Health Check-up Age for taking the planNeeded for all AgesAfter 45 Years
Hospital Room’s Rent CoverActual ExpensesActual Expenses
ICU’s Rent during HospitalizationNot CoveredCovered
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 ExpensesCoveredCovered
Lifetime RenewabilityAvailableAvailable
Emergency Ambulance CoverCovered up to Rs.3000Covered up to Rs.2000
Tax BenefitsUnder Section 80D of the Income Tax ActUnder Section 80D of the Income Tax Act
Domiciliary Treatment CoverCoveredIncluded
Maternity Expenses CoverNot AvailableWaiting 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 check the eligibility criteria for buying these plans. The eligibility criteria will help you to understand whether you can take this plan or not. After knowing the eligibility criteria it will be easy for you to choose the best plan depending upon your requirement and eligibility.

Basis of ComparisonMax Bupa Health Companion Family FirstHDFC Ergo Health Suraksha with Regain Benefits
Minimum Age of Entry18 Years18 Years
Maximum Age of EntryLifelong100 years
Maximum Renewal AgeLifelongLifelong
Minimum Age of Entry for a Dependent Child3 Months91 Days
Maximum Age of Entry for a Dependent Child21 Years21 Years
Policy Term1 Year and 2 Years1 Year and 2 Years
Minimum Amount of Sum AssuredRs.5 LacsRs.7.5 Lacs
Maximum Amount of Sum AssuredRs.1 CroreRs.50 Lacs
Cashless Hospital Facility3500+ 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

It is better that you should know the difference between Max Bupa Health Companion Family First vs HDFC Health Suraksha Gold with Regain plan because it will help you to buy an accurate health insurance plan. On the other hand, both of these plans are unique in their own way and they will protect you from various health risks that might arise in the future. Therefore it is wise to take a health plan at an early stage because you never know when a medical emergency can arise. Have a deep comparison of these two plans and then choose the one as per your needs and eligibility.

People Also Read