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Bajaj Allianz Tax Gain
Bajaj Allianz Tax Gain

Apollo Munich Optima Vital
Apollo Munich Optima Vital



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Bajaj Allianz Tax Gain
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Apollo Munich Optima Vital

Bajaj Allianz Tax Gain and Apollo Munich Optima Vital Details

1 Details
1.1 Company Name
Bajaj Allianz General Insurance
Apollo Munich Health Insurance
1.1.1 Incurred Claims Ratio (13-14)
Policy Details ..
86.60 %
Rank: 11 (Overall)
65.59 %
Rank: 17 (Overall)
Policy Details of SBI General Health Insurance Family Floater
1.1.2 Incurred Claims Ratio (14-15)
Policy Details ..
73.59 %
Rank: 12 (Overall)
63.03 %
Rank: 16 (Overall)
Policy Details of L And T Medisure Prime Insurance
1.1.3 Network Hospitals
Policy Details ..
3000 +
Rank: 11 (Overall)
4000 +
Rank: 8 (Overall)
Policy Details of Oriental Happy Family Floater Gold
ADD ⊕
1.2 Type of Plan
Family Floater Insurance
Critical Illness Insurance
1.2.1 Subtypes
Not Available
Not Available
1.3 Policy Status
Active
Active
1.4 Buy Online
62% Family Health Insurance Health Insurance Plans have it !
50% Critical Illness Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/BAGI/P-H/V.I/149/13-14
IRDA/NL-HLT/AMHI/P-H/V.I/107/13-14
1.6 Tax Benefits
All Family Health Insurance Health Insurance Plans have it !
All Critical Illness Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
All Family Health Insurance Health Insurance Plans have it !
83% Critical Illness Insurance Health Insurance Plans have it !
1.8 Discounts
57% Family Health Insurance Health Insurance Plans have it !
28% Critical Illness Insurance Health Insurance Plans have it !
1.8.1 Description
Not Applicable
7.5% discount is given on opting 2 year policy.

Bajaj Allianz Tax Gain and Apollo Munich Optima Vital Comparison

Bajaj Allianz Tax Gain and Apollo Munich Optima Vital comparison can be made on the basis of the incurred claims ratio of their insurance providers. Incurred claims ratio of insurer of plan 1 is 86.60 % while it is 65.59 % for insurer of plan 2. Incurred claims ratio is defined as money spent on claim settlement as opposed to money earned through premiums. This ratio is published each year by IRDA. The figure mentioned here is for the year 2013-14.

One other feature for finding a better plan is number of network hospitals covered under it. Number of network hospitals covered under plan 1 is 3000 + while it is 4000 + under plan 2. One can avail cashless hospitalization if patient is admitted in a network hospital. That is, the hospital bills are directly settled by the insurance company and the policy holder does not have to pay anything from his pocket.

Information on Apollo Munich Optima Vital and Bajaj Allianz Tax Gain

Information on Apollo Munich Optima Vital and Bajaj Allianz Tax Gain status can be found on IRDA website. One has to fulfill Bajaj Allianz Tax Gain and Apollo Munich Optima Vital Eligibility to buy these policies. Status of a policy states whether one can buy the policy at present time or not. Only the policies that are active can be bought at the present time. Other policies though available for the policyholders, are not available for purchase for new buyers. Plan 1 cannot be bought online but plan 2 can be bought online. After buying, one can avail multiple benefits like tax deductions and discounts on the premium.

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