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Mediclaim policy vs LIC Health Plus policy
| Partiulars |
Mediclaim Policy |
LIC Health Plus policy |
| Class of insurance |
General insurance |
Life insurance |
| Benefits |
Reimburses medical expenses |
1. Death coverage
2. ULIP investment benefits
3. Other benefits
- Hospital Cash benefit
- Major Surgical Benefit
- Domicilary Treatment Benefit
|
| Entry age |
3 months - 60 yrs |
18 yrs - 55 yrs |
| Tenure |
Valid for 1 year |
Min - 7 yrs |
| Cash less facility (TPA) |
Available |
Not available |
| Expenses covered |
1. Pre and post hospitalization expenses
2. Hospitalization expenses
- Hospital room rent
- Doctor fees
- Medical tests
- OT (Operation Theatre) charges
- Medicines
|
1. No pre and post hospitalization expenses
2. No hospitalization expenses
|
| Premium Allocation |
Towards risk coverage |
Towards policy administration, fund management and risk coverage
|
| Surrender benefit |
Not Applicable |
Available |
| Maturity /Death Benefit |
Not Applicable |
Available |
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