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Apollo Munich Dengue Care
Apollo Munich Dengue Care

Bajaj Allianz Critical Illness Insurance
Bajaj Allianz Critical Illness Insurance



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Apollo Munich Dengue Care
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Bajaj Allianz Critical Illness Insurance

Apollo Munich Dengue Care and Bajaj Allianz Critical Illness

1 Details
1.1 Company Name
Apollo Munich Health Insurance
Bajaj Allianz General Insurance
1.1.1 Incurred Claims Ratio (13-14)
New India Senio..
65.59 %
Rank: 17 (Overall)
86.60 %
Rank: 11 (Overall)
SBI General F F
1.1.2 Incurred Claims Ratio (14-15)
Oriental Happy ..
63.03 %
Rank: 16 (Overall)
73.59 %
Rank: 12 (Overall)
L And T Medisure Prime
1.1.3 Network Hospitals
SBI General F F
4000 +
Rank: 8 (Overall)
3000 +
Rank: 11 (Overall)
Oriental Happy Family Floater Gold
ADD ⊕
1.2 Type of Plan
Critical Illness Insurance
Critical Illness Insurance
1.2.1 Subtypes
Individual Insurance
Not Applicable
1.3 Policy Status
Active
Active
1.4 Buy Online
50% Critical Illness Insurance Health Insurance Plans have it !
50% Critical Illness Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/AMHI/P-H/V.1/74/14-15
IRDA/NL-HLT/BAGI/P-H(C)/V.I/281/13-14
1.6 Tax Benefits
All Critical Illness Insurance Health Insurance Plans have it !
All Critical Illness Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
83% Critical Illness Insurance Health Insurance Plans have it !
83% Critical Illness Insurance Health Insurance Plans have it !
1.8 Discounts
28% Critical Illness Insurance Health Insurance Plans have it !
28% Critical Illness Insurance Health Insurance Plans have it !
1.8.1 Description
Not Available
Not Applicable
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
Bajaj Allianz H..
18 Years
Rank: 1 (Overall)
18 Years
Rank: 1 (Overall)
Apollo Munich Optima Vital
ADD ⊕
2.1.2 Maximum
New India Senio..
65 Years
Rank: 4 (Overall)
65 Years
Rank: 4 (Overall)
Bajaj Allianz Insta Insure
ADD ⊕
2.2 Entry Age for Dependent Children
2.2.1 Minimum
Bajaj Allianz C..
91 Days
Rank: 7 (Overall)
2191 Days
Rank: 12 (Overall)
IFFCO TOKIO Family Health Protector
ADD ⊕
2.2.2 Maximum
Apollo Munich M..
25 Years
Rank: 3 (Overall)
21 Years
Rank: 6 (Overall)
Reliance Healthgain Policy
ADD ⊕
2.3 Sum Assured
2.3.1 Minimum
Future Generali..
₹ 50000
Rank: 2 (Overall)
₹ 100000
Rank: 3 (Overall)
Bajaj Allianz Daily Cash
2.3.2 Maximum
Cigna TTK Lifes..
₹ 100000
Rank: 24 (Overall)
₹ 5000000
Rank: 6 (Overall)
Bajaj Allianz Daily Cash
2.4 Policy Term
2.4.1 Minimum
Bharti AXA Life..
1 Year
Rank: 1 (Overall)
1 Year
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
ADD ⊕
2.4.2 Maximum
Future Generali..
1 Years
Rank: 7 (Overall)
1 Years
Rank: 7 (Overall)
Bajaj Allianz Women Critical Illness
ADD ⊕
2.5 Medical Screening
72% Critical Illness Insurance Health Insurance Plans have it !
72% Critical Illness Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
Oriental Happy ..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Future Generali Health Total Superior
ADD ⊕
3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
Future Generali..
Covered up to 15 Days
Rank: 5 (Overall)
Not Available
Rank: N/A (Overall)
Apollo Munich Dengue Care
ADD ⊕
3.1.2 Post-Hospitalization
Apollo Munich O..
Covered up to 15 Days
Rank: 5 (Overall)
Not Available
Rank: N/A (Overall)
Apollo Munich Dengue Care
ADD ⊕
3.2 Room Rent
12% Critical Illness Insurance Health Insurance Plans have it !
12% Critical Illness Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
3.3.1 Amount
Apollo Munich E..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
SBI General F F
3.4 OPD Charges
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
3.6 Day Care Procedures Covered
Religare Care I..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Surgical Protection
ADD ⊕
3.7 Domiciliary Hospitalization
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
3.8 Daily Cash Facility
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
3.8.1 Description
Not Applicable
Not Applicable
4 Medical Cover
4.1 Ambulance Charges
Royal Sundaram ..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance HealthWise Ind
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4.2 Air Ambulance Charges
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
4.3 Medical Fees
4.3.1 Consultant
11% Critical Illness Insurance Health Insurance Plans have it !
11% Critical Illness Insurance Health Insurance Plans have it !
4.3.2 Surgeon
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.3.3 Specialist
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
4.3.4 Anesthetist
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
11% Critical Illness Insurance Health Insurance Plans have it !
11% Critical Illness Insurance Health Insurance Plans have it !
4.3.6 Nursing
11% Critical Illness Insurance Health Insurance Plans have it !
11% Critical Illness Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.2 Oxygen
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.4 Medicine
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
5 Benefits
5.1 No Claim Bonus
5.1.1 Minimum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Apollo Munich Optima Senior
ADD ⊕
5.1.2 Maximum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
LIC Jeevan Arogya
ADD ⊕
5.2 Health Checkups
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
5.2.1 Description
Not Available
Not Available
5.3 AYUSH Treatment
Not Covered
Not Covered
5.4 Maternity Expenses
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
5.4.1 New Born Baby Cover
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
5.5 Critical Illness Cover
All Critical Illness Insurance Health Insurance Plans have it !
All Critical Illness Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
22% Critical Illness Insurance Health Insurance Plans have it !
22% Critical Illness Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Dengue
Cancer of specified severity, First Heart Attack, Kidney Failure, Major Organ/Bone Marrow Transplant, Multiple Sclerosis, Open Chest CABG, Permanent Paralysis of Limbs, Primary Pulmonary Arterial Hypertension, Stroke, Surgery of Aorta
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Available
Not Applicable
5.6.3 Child Education Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Available
Not Applicable
5.6.5 Permanent Total Disablement
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Available
Not Applicable
5.6.7 Temporary Disablement Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Available
Not Applicable
5.7 Restoration of Sum Insured
No Critical Illness Insurance Health Insurance Plans has it !
No Critical Illness Insurance Health Insurance Plans has it !
5.8 Multiplier Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
Apollo Munich O..
30 Days
Rank: 1 (Overall)
15 Days
Rank: 2 (Overall)
Royal Sundaram Surgicare
ADD ⊕
6.1.2 For Policy Holder
Apollo Munich O..
30 Days
Rank: 3 (Overall)
15 Days
Rank: 2 (Overall)
Royal Sundaram Surgicare
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6.2 Rate of Premium Retained
6.2.1 Up to 1 Month
Star Family Hea..
25.00 % of annual premium
Rank: 3 (Overall)
25.00 % of annual premium
Rank: 3 (Overall)
Star Health Accident Care
ADD ⊕
6.2.2 Up to 3 Months
Star Family Hea..
50.00 % of annual premium
Rank: 5 (Overall)
50.00 % of annual premium
Rank: 5 (Overall)
L And T Personal Accident Insurance
ADD ⊕
6.2.3 Up to 6 Months
Star Family Hea..
75.00 % of annual premium
Rank: 6 (Overall)
75.00 % of annual premium
Rank: 6 (Overall)
Max Bupa Heartbeat Ind Gold
ADD ⊕
6.2.4 Exceeding 6 Months
Bajaj Allianz W..
100.00 % of annual premium
Rank: 2 (Overall)
100.00 % of annual premium
Rank: 2 (Overall)
ICICI Lombard Health Booster
ADD ⊕
6.3 Policy Renewal
Lifelong
Lifelong
6.4 Grace Period
Bajaj Allianz W..
30 Days
Rank: 1 (Overall)
30 Days
Rank: 1 (Overall)
SBI General F F
ADD ⊕
6.5 Free Look Period
Bajaj Allianz W..
15 Days
Rank: 1 (Overall)
15 Days
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
6.6 Waiting Period
6.6.1 No Claim Period
Future Generali..
15 Days
Rank: 1 (Overall)
90 Days
Rank: 4 (Overall)
Bajaj Allianz Personal Accident
ADD ⊕
6.6.2 Specific Waiting Period
Not Available
Not Available
6.7 Claim Based Loading
22% Critical Illness Insurance Health Insurance Plans have it !
22% Critical Illness Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Silver
ADD ⊕
6.9 Co-Pay
6% Critical Illness Insurance Health Insurance Plans have it !
6% Critical Illness Insurance Health Insurance Plans have it !
6.10 Sub-Limits
11% Critical Illness Insurance Health Insurance Plans have it !
11% Critical Illness Insurance Health Insurance Plans have it !

Comparison of Apollo Munich Dengue Care and Bajaj Allianz Critical Illness Insurance

Comparison of Apollo Munich Dengue Care and Bajaj Allianz Critical Illness Insurance can be done on the basis of the incurred claims ratio of the insurance providers. For the year 2013-14, this ratio for insurer of plan 1 was 65.59 % whereas it was 86.60 % for the 2nd insurer. Apollo Munich Dengue Care and Bajaj Allianz Critical Illness are of the type critical illness insurance.

Eligibility Criterion

Eligibility Criterion of an insurance plan defines the minimum and maximum entry age for that particular plan. Policy holder has to be atleast 18 Years old to buy either of the plans. Maximum entry age for these plans is 65 Years. Some plans also provide cover for dependent children. Entry ages for dependent children are specified in the policy brochures.

Covers in Bajaj Allianz Critical Illness and Apollo Munich Dengue Care

Covers in Bajaj Allianz Critical Illness and Apollo Munich Dengue Care include Hospital Cover and Medical Cover. In 1st policy, pre- hospitalization charges are Covered up to 15 Days while in 2nd policy, these charges are Not Available .OPD charges are covered under 1st policy but not covered under 2nd policy. Many health insurance plans also provide compensation for day care procedures and domiciliary hospitalization.

Apollo Munich Dengue Care and Bajaj Allianz Critical Illness Insurance Medical Cover provides compensation against medical charges required for ambulance, blood or oxygen supply, nursing, etc. Fees of a medical practitioner are covered in plan 1 while they are not covered plan 2. Ambulance charges upto some amount are covered under most of the health insurance plans.

Benefits Under These Plans

Benefits under these plans are No Claim Bonus, Health Checkup allowance, AYUSH treatment allowance, etc. Many health insurance providers offer a bonus if no claim is made during the policy year. The bonus value is a percentage of basic sum assured. AYUSH Treatment is composed of Ayurvedic, Unani, Sidha and Homeopathic treatment. Many health insurance plans also provide compensation for maternity expenses. Critical illness cover is provided under plan 1 and also, it is provided under plan 2.

Terms and Conditions

Grace period and Free look period are a part of terms and conditions of a health insurance plan. Generally grace period provided is of 30 days and free look period provided is of 15 days. Some insurance providers apply higher premium rates based on claim based loading formula. Cover of pre-existing diseases, if provided, usually starts after 48 months from the date of purchase of the insurance plans.

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