InsuranceScope India

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FeatureCare SupremeRead reviewICICI Lombard - Health AdvantEdgeRead review
Room Rent LimitNoNo
Co-PayNoNo
Disease Sub-limitNoNo
Pre Hospitalisation60 days60 days
Post Hospitalisation180 days180 days
Refill of Base CoverUnlimited (related and unrelated)Unlimited (related and unrelated including complications)
Claim in which refill of cover can be appliedFirst Paid ClaimSubsequent claims
Time when refill will triggerPartial exhaustion of Sum Insured & No Claim BonusPartial exhaustion of Sum Insured & No Claim Bonus
Initial Waiting Period30 days30 days
Specific Illness Waiting Period2 years (reducible to 30 days via add-on)2 years
Pre-existing disease Waiting Period3 years (reducible to 1 or 2 years via add-on)2 years
Day CareYesYes
DomiciliaryYesYes (8 diseases exception)
Modern TreatmentYesYes (Except robotic surgeries)
Road AmbulanceYes (upto Base Sum Insured)Yes (sublimit)
Air AmbulanceYes (upto Base Sum Insured)Yes (upto Base Sum Insured)
ConsumablesYesAdd-On
MaternityNoYes
BonusYes (100% upto 600%) NCBYes (20% upto 100%) NCB
All India TreatmentZonal Premiums but No Co-PayZonal Premium and Co-Pay
Extra FeaturesWellness discount upto 30%, OPD + non-medical cover, Unlimited e-consultations
AffordabilityAffordableExpensive
InsuranceScope India | Health Insurance Comparison