Comparison of Apollodkv & star health medical policy

Features	Apollo DKV	Apollo DKV	Apollo DKV	Star health and allied insurance co. ltd	Star health and allied insurance co. ltd
Name of policy	Easy Health Individual Standard	Easy Health Individual Exclusive	Easy Health Individual Premium	Medi classic	Medi premier
Eligibility	3mon - 60yrs	3mon - 60yrs	3mon - 60 yrs	5mon - 80yrs	26 - 75 years
Min -Max S.I limit	Rs 1lac - 5lac	Rs 3lac - Rs 7.5lac	Rs 4lac - 10lac	1lac - 5lac	Rs 1lac - 4lac
Policy Coverage
Pre-hospitalisation	30 days.If hint for hospitalisation is given 5 days before then days are increased to 60.	30 days.If hint for hospitalisation is given 5 days before then days are increased to 60.	30 days.If hint for hospitalisation is given 5 days before then days are increased to 60.	30 days	30 days .
Post-hospitalisation	60 days. If hint for hospitalisation given before 5 days then days are increased to 90.	60 days. If hint for hospitalisation given before 5 days then days are increased to 90.	60 days. If hint for hospitalisation given before 5 days then days are increased to 90.	Cover 7% of the hospitasation expense, max of Rs 5000.	Cover 7% of the hospitasation expense, max of Rs 5000.
Domiciliary Hospitalisation	Covered	Covered	Covered	Not covered	Not covered
No-claim discount	Not indicated	Not indicated	Not indicated	5%-25% for every claim free year	5%-25% for every claim free year
Cummulative Bonus	10% for every claim free yrs max 50%.(In case of claim, CB reduces by 20% of SI)	10% for every claim free yrs max 50%.(In case of claim, CB reduces by 20% of SI)	10% for every claim free yrs max 50%.(In case of claim, CB reduces by 20% of SI)	5% of SI for every claim free year to max of 25%.	5 % is added to your sum assured for every claim free year.
Day-Care Procedures	medical exp for 140 days	medical exp for 140 days	medical exp for 140 days	Not indicated	Not Required
New born baby care	Not covered	Optional	Optional	10% of SI of mother	10% of SI of mother
Health checkup	1% of SI at the end of 4 continuous claim free years.	1% of SI, subject to max of 5000 after every 3 continuous claim free years	1% of SI, subject to max of 5000 after every 2 continuous claim free years	Not indicated	Free medical check up provided at the end of 3 claim free years.
Daily cash for choosing shared accomodation	Rs 500/day, max of Rs 3000	for 3-5lac Rs 500/day, max of Rs 3000 for 7.5lac Rs 800/day, max of Rs 4800	for 4&5lac Rs 500/day, max of Rs 3000 for 7.5 & 10lac Rs 800/day, max of Rs 4800	Not indicated	Not indicated
Emergency Ambulance Charges	upto Rs 2000.	upto Rs 2000.	upto Rs 2000.	upto Rs 750/hospitalisation, over all limit of Rs 1500/policy.	upto Rs 750/hospitalisation, over all limit of Rs 1500/policy.
Critical illness	Nil	Optional 50% or 100% of basic Sum Insured	Optional 50% or 100% of basic Sum Insured	Not indicated	Not indicated
Daily Cash for accompanying an insured child.	Nil	for 3-5lac Rs. 300 per day, Maximum Rs.9,000 for 7.5lac Rs. 500 per day, Maximum Rs.15,000	for 4&5lac Rs. 300 per day, Maximum Rs.9,000 for 7.5 & 10lac Rs. 500 per day, Maximum Rs.15,000	Not indicated	Not indicated
Out-patient Dental Treatment with Waiting Period of 3 years	Not covered	Not covered	Upto 1% of SI, Max of Rs. 5,000	Not indicated	Not indicated
Spectacles, Contact Lenses, Hearing Aid Every Third Year	Not covered	Not covered	upto Rs 5000	Not indicated	Not indicated
Maternity exp wtith waiting period of 6 yrs	Not covered	for 3-5lac Normal delivery Rs 15000 Caesarean delivery Rs 25000 for 7.5lac Normal delivery Rs 25000 Caesarean delivery Rs 40000	for 4&5lac Normal delivery Rs 15000 Caesarean delivery Rs 25000 for 7.5 & 10lac Normal delivery Rs 25000 Caesarean delivery Rs 40000	Not indicated	Not indicated
Coverage	In-patient hospitalisation, diagnostic expense, ICU, boarding & lodging, cost of anaesthesia, blood, oxygen, surgical appliances, any device or equipment implanted internally during surgical procedure, medicine and drugs, nursing & medical practitioner charges.	In-patient hospitalisation, diagnostic expense, ICU, boarding & lodging, cost of anaesthesia, blood, oxygen, surgical appliances, any device or equipment implanted internally during surgical procedure, medicine and drugs, nursing & medical practitioner charges.	In-patient hospitalisation, diagnostic expense, ICU, boarding & lodging, cost of anaesthesia, blood, oxygen, surgical appliances, any device or equipment implanted internally during surgical procedure, medicine and drugs, nursing & medical practitioner charges.	In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of SI, maximum of Rs.4000/- per day, Nursing expenses, Srgeon's fees,Consultant's fees,Anaesthetist's and Specialist's fees Cost of medicine & drugs blood, oxygen, diagnostic expenses, pace-makers .	Lumpsum payment incase of certain illness In-patient hospitalisation expenses are covered which includes room rent at @2% of SI, maximum of Rs.4000/- per day, Boarding,Nursing expenses, Srgeon's fees,Consultant's fees,Anaesthetist's and Specialist's fees Cost of medicine & drugs blood, oxygen, diagnostic expenses, pace-makers .
TPA	Available	Available	Available	Not available	Not available
Pre-existing disease	after 3 continuous policy years	after 3 continuous policy years	after 3 continuous policy years	after 5 continuous policy years.	Not indicated
Tax benefit on premium	u/s 80D of IT act	u/s 80D of IT act	u/s 80D of IT act	u/s 80D of IT act	Max. Limit as per Section 80D
Exclusion
First 30 days	Any treatment for first 30 days except accidental injury	Any treatment for first 30 days except accidental injury	Any treatment for first 30 days except accidental injury	Any treatment for first 30 days	Any treatment of illness/disease/sickness contracted by insured
1st year &/or 2nd year	2nd year Cataract Hysterectomy Hernia, Hydrocele joint replacement	2nd year Cataract Hysterectomy Hernia, Hydrocele joint replacement	2nd year Cataract Hysterectomy Hernia, Hydrocele joint replacement	1st year Benign Prostate Hypertrophy, Hernia,Hydrocele, Fistula in anus,Piles, Sinusitis and related disorders, Congenital internal disease,removal of gallstones Cataract,Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee or joint, Prolapse of intervertibral disc , Varicose Veins and Varicose Ulcers 2nd year	1st year Piles, Hernia,Hydrocele, Fistula in anus,Piles, Sinusitis and related disorders, Congenital internal disease,removal of gallstones Cataract,Hysterectomy Replacement surgery for knee or joint, Prolapse of intervertibral disc , Varicose Veins and Varicose Ulcers 2nd year
Permanent Exclusion	Congenital disease Non-allopathic treatment,mental disorder Cosmetic surgery,wt control treatment Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs pregnancy, dental and external aids and appliances War, riot, strike, nuclear weapons induced hospitalization!	Congenital disease Non-allopathic treatment,mental disorder Cosmetic surgery,wt control treatment Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs pregnancy, dental and external aids and appliances War, riot, strike, nuclear weapons induced hospitalization! .	Congenital disease Non-allopathic treatment,mental disorder Cosmetic surgery,wt control treatment Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs pregnancy, dental and external aids and appliances War, riot, strike, nuclear weapons induced hospitalization!	Congenital disease Cosmetic surgery Naturopathy treatment Diagnostic expense Expense for non-allopathic treatment shall be limited to 25% of SI, max of 25000/-	Congenital disease Cosmetic surgery Naturopathy treatment Diagnostic expense Expense for non-allopathic treatment shall be limited to 25% of SI, max of 25000/-

Comparison of private players

Comparison of public sector companies