health.policybazaar.com Open in urlscan Pro
104.90.143.199  Public Scan

Form analysis
0 forms found in the DOM

Text Content

You need to enable JavaScript to run this app.
PolicyBazaar Health insurance takes care of your medical expenses
Back
Compare plans
Call Us
1800-419-7715Have Not Paid Yet (Sales)
1800-258-5970Have Already Paid (Service)
(Use Registered Mobile Only)
+91124-6656507(For NRIs, POI and OCI holders)
1800-572-3919(For Renewal Customers)
CALL ME NOW
Compare plans
 * Detailed comparison
 * Comparison summary

Get Help

Health Optima

Cover - ₹5L

Premium - ₹2,013/month

2396 people are viewing this plan
Buy now

Health ReAssure

Cover - ₹5L

Premium - ₹2,067/month

2670 people are viewing this plan
Buy now

Activ Health Platinum Enhanced

Cover - ₹5L

Premium - ₹1,884/month

886 people are viewing this plan
Buy now

Coverage8 differences


Claim Settlement Ratio
This is explained as (Number of Claims Settled / Number of Claims) by the
Insurance Company.
90%
Source: Public Disclosures (NL25 for 2018-19).
96%
Source: Data provided by Insurer.
94%
Source: Public Disclosures (NL25 for 2018-19).
Room rent limit
Room rent limit is the maximum allowed room category and cost of room per day
Single private a/c room
Any category
Single private a/c room
Covid-19 Coverage
Coronavirus disease (COVID-19) is an infectious disease caused by the SARS-CoV-2
virus.
Hospitalization due to omicron and all other variants of covid-19 are covered
Hospitalization due to omicron and all other variants of covid-19 are covered
Hospitalization due to omicron and all other variants of covid-19 are covered
Restoration of cover
If you use up your entire cover amount, it will be fully restored for your next
claim. This restored amount doesnt include no claim bonus
₹5 lakh three times in a year

For unrelated illness

₹5 lakh unlimited times in a year

For both related and unrelated illness

₹5 lakh once in a year

For unrelated illness

No claim bonus
This is a reward from the insurer for not claiming during a policy year. This
increases your sum insured without additional cost
25% for the first year and 10% for every subsequent year

In case a claim is made, your no claim bonus will reduced by 25% for the first
year and 10% for every subsequent year

₹2.5 lakh per year and upto a maximum of additional ₹5 lakh

In case a claim is made, your no claim bonus will reduced by ₹2.5 lakh

₹2.5 lakh per year and upto maximum of additional ₹5 lakh

In case a claim is made, your no claim bonus will reduced by ₹2.5 lakh

Cashless hospitals
At cashless hospitals, the insurer directly pays for your hospital bills In any
hospital outside the cashless network you can reimburse the bill amount
11000+ hospitals (13 in Yamuna Nagar)

View list

8000+ hospitals (18 in Yamuna Nagar)

View list

8500+ hospitals (9 in Yamuna Nagar)

View list

Co-pay
Copay is the share of the final bill that you pay. If a plan has 10% copay, and
your total claim is 1 lakh then 90,000 will be paid by Insurer and 10,000 from
your own pocket. Plans without co-payment are preferred but have a slightly
higher premium
Full claim paid by insurer
Full claim paid by insurer
Full claim paid by insurer
Pre-hospitalization coverage
This covers medical expenses like diagnostic test, medicines and doctor
consultations for treatments prior to your admission to hospital for same
illness
Covered upto 60 days

Expenses upto ₹5 lakh

Covered upto 60 days

Expenses upto ₹5 lakh

Covered upto 60 days

Expenses upto ₹5 lakh

Post-hospitalization coverage
This covers medical expenses like diagnostic test and medicines for treatments
post your admission to hospital for same illness
Covered upto 90 days

Expenses upto ₹5 lakh

Covered upto 180 days

Expenses upto ₹5 lakh

Covered upto 180 days

Expenses upto ₹5 lakh

Day care treatment
Treatment procedures that require hospitalisation for less than 24-hours
All day care treatments
All day care treatments
586 listed day care treatments
Hospitalization at home
This covers the cost of hospitalization at home including medical equipment,
diagnostics, consultations and services at home in case of shortage of hospital
beds or in case the patient cannot be transported to hospital
Covered upto ₹5 lakh after 3 days
Covered upto ₹5 lakh
Covered upto ₹5 lakh
Ambulance charges
This covers cost of ambulance when you need to be hospitalized
Covered upto ₹750 per hospitalization
Covered upto ₹2,000 per hospitalization
₹5 lakh per year

Reimbursed ₹5,000 per hospitalization for non-network providers

Waiting periods1 difference


Existing Illness cover
Cost of treatment for pre existing illnesses is covered after a waiting period
Covered after 4 years
Covered after 3 years
Covered after 3 years
Maternity cover
This covers the cost of maternity and related expenses including
hospitalization, delivery, and doctor fees It also covers the expenses for your
newborn for a fixed period

View plans with Maternity cover
Looking for plans with Maternity cover? View plans

Additional Features9 differences


Free health checkup
Free health checkup to help you keep track of your well being
Once every claim free year

Free health checkup every year for adult insured members in the designated
diagnostic centres upto ₹1,500

Once every year

Free health checkup every year for all insured members in the designated
diagnostic centres (₹500 for every 1 lakh Sum Insured)

View list

Once every year

Free health checkup every year for adult insured members in the designated
diagnostic centres

View list

Alternate medicine (AYUSH)
This covers treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy
Covered upto ₹15,000
Covered upto ₹5 lakh
Covered upto ₹5 lakh
Worldwide coverage
This covers the cost of emergency medical assistance outside India
Covered upto ₹5 lakh per year
Domestic evacuation
This covers the cost of transporting you either by air or road ambulance within
India
Covered upto ₹50,000
Covered upto ₹5 lakh in case of cashless claim and reimbursement upto ₹2.5 lakh
Covered upto ₹5 lakh
E-consultation
This lets you consult a network hospital doctor over telephone/video call for
free
Covered

Provide complimentary access to doctors-on-call

Discount on Renewal
You will get discount on premium for meeting health goals and staying fit on
next renewal
Upto 30% discount on renewal premium
Upto 100% discount on renewal premium
Cover for organ donor
This covers cost of treatment for organ donors like surgery, harvesting, and
storage. The treatment expenses of the insured will be fully paid for up to the
cover amount, but the coverage for the donor depends on the insurer
Covered upto ₹50,000
Covered upto ₹5 lakh
Covered upto ₹5 lakh
Daily cash allowance
This provides a lump sum amount daily in case of hospitalization which can be
used for meeting additional expenses that are not covered by health insurance.
No bills required.
Optional benefit upto ₹1000 per day

Out patient consultation benefits
This is the most common cost outside of hospitalization and covers expenses like
doctors fee for diagnosis, therapy and treatments of minor medical issues

Animal bite vaccination
This covers the cost of vaccinations if an animal bites you
Only Post-bite treatment is covered



Comparison summary4 key differences

Health Optima

Health ReAssure

Activ Health Platinum Enhanced

Room rent limit
Single private a/c room
Any categoryBest in this comparison
Single private a/c room
Restoration of cover
₹5 lakh three times in a year

For unrelated illness

₹5 lakh unlimited times in a year

For both related and unrelated illness

Best in this comparison
₹5 lakh once in a year

For unrelated illness

No claim bonus
25% for the first year and 10% for every subsequent year

In case a claim is made, your no claim bonus will reduced by 25% for the first
year and 10% for every subsequent year

₹2.5 lakh per year and upto a maximum of additional ₹5 lakh

In case a claim is made, your no claim bonus will reduced by ₹2.5 lakh

Best in this comparison
₹2.5 lakh per year and upto maximum of additional ₹5 lakh

In case a claim is made, your no claim bonus will reduced by ₹2.5 lakh

Best in this comparison
Free health checkup
Once every claim free year

Free health checkup every year for adult insured members in the designated
diagnostic centres upto ₹1,500

Once every year

Free health checkup every year for all insured members in the designated
diagnostic centres (₹500 for every 1 lakh Sum Insured)

Best in this comparison
Once every year

Free health checkup every year for adult insured members in the designated
diagnostic centres

Best in this comparison

Cover - ₹5L

Premium - ₹2,013/month

Buy now

Cover - ₹5L

Premium - ₹2,067/month

Buy now

Cover - ₹5L

Premium - ₹1,884/month

Buy now
Similar plans
 * 
   1 Cr Sum Insured
   * Cover ₹ 1Cr
   * Premium ₹ 3,647/month
   COMPARE NOW

 * 
   Care Classic
   * Cover ₹ 5L
   * Premium ₹ 2,009/month
   COMPARE NOW

 * 
   Star Comprehensive
   * Cover ₹ 5L
   * Premium ₹ 2,538/month
   COMPARE NOW

Something wrong...

*A 30-minute Claim Support Service is provided for the purpose of giving
reasonable assistance to the client in pursuance of the claim. For further
details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Terms
and Conditions Apply*. Policybazaar strives to provide best claim support
services to its clients. The settlement of the claim is the responsibility of
the insurance company in accordance with the terms and conditions of the
insurance policy opted by you. The 30-minute Claim support is not valid if our
operations are impacted by a system failure or force majeure event or
unavailability of company’s executives for reasons which are beyond our control.
These terms may change without notice.

Policybazaar Insurance Brokers Private Limited (formerly known as Policybazaar
Insurance Web Aggregator Private Limited) | CIN: U74999HR2014PTC053454 |
Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001

Contact Us | Legal and Admin Policies

Policybazaar is now registered as a Direct Broker |Registration No. 742,
Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category-
Direct Broker (Life & General)| Visitors are hereby informed that their
information submitted on the website may be shared with insurers.Product
information is authentic and solely based on the information received from the
insurers.

© Copyright 2008-2022 policybazaar.com. All Rights Reserved.