Star Health Insurance v/s Cigna Health Insurance?

Looking for a health insurance that fulfils all your requirements at nominal premiums, then this article will definitely help you to find such two insurance plans in the market. These plans will cover you against expenses that might incur due to medical emergency.

I am sure when you think to buy a Health Insurance plan you get confused between number of plans available in the market. It is really tough task to select a single plan amongst 25 different companies.

Here this article will make your work little easier by listing the 2 top insurance providers in Indian insurance market; Star Health Insurance and Cigna Health Insurance.

Let us see the comparison between the benefits and coverage offered under these two plans, so that you can make a better choice according to your requirements.

Star Insurance Company is one of the reputed insurance providers in the market. The health insurance plans offered by this company provides comprehensive coverage with multiple benefits to its policyholders. Let us take an example of one of its health insurance which offers following benefits and coverages:

Star Health – Mediclassic

• The Mediclassic is a well-known and most beneficial health insurance products offered by Star Health Insurance plan. 

• The best benefit offered under this plan is the restoration benefit up to 200%.

• Another coverage offered under this plan which makes it stand out amongst other is that it covers HIV positive persons. 

• No Claim bonus is offered for every claim free year calculated at 5% of the basic sum insured, maximum it can go up to 25%. For your Family Floater Plan you can avail no claim bonus up to 25% for first year and 10% the second year.

• Under this plan you can avail pre-hospitalization expenses that incurred before 30 days of hospitalization and post-hospitalization expenses incurred after 60 days of hospitalization. Here you can get an ambulance cover of Rs. 1500 on every hospitalization.

You may like to read : Lower down your health insurance cost by choosing Star Health

Cigna TTK- Pro 

Health protect is the most renowned product offered by the Cigna TTK Insurance Company. This plan offers many attractive features, for example, World Wide Medical Emergency Cover, which provides coverage against your medical expenses when you are abroad. 

• The Coverage provided under this plan depends up on the sum Assured chosen under the policy. The policy does not offer cashless treatment and therefore reimbursement basis applicable.

• This plan is very useful for if you are a frequent international traveler and have chosen a good sum Insured under your Cigna TTK Health protect plan, because the overseas medical care are expensive. 

• Another benefit of this plan is Cumulative Bonus for every claim free year.  This benefit offered by Cigna TTK insurance company would raise the Sum Assured by 5% for every claim free year without increasing the amount of the premium. You will exhaust this limit when the sum insured is increased up to 100%.

• This plan provides rewards of staying healthy. 

• You can avail Restoration of sum assured under Cigna TTK health protect insurance plan.

• The plan also provides coverage against some expenses incurred on treatment before hospitalization and after hospitalization. It covers such expenses up to 60 days before hospitalization and up to 90 days after hospitalization. 

• It also covers day care treatment expenses, (which require hospitalization for less than 24 hours), ambulance expenses up to Rs.2000.

On the basis of benefits and coverages offered under both Star health insurance and Cigna TTK Health Insurance policies, chose the plan that fulfills all your requirements. If you need any further assistance, read the details of their health insurance policies online or call the customer care or take helps from an agent or broker.

Royal Sundaram Health Insurance Covers You Your Whole Life

Covering everything from maternity costs to old age hospital costs, Royal Sundaram’s comprehensive coverage takes care of all the costs that can be expected from the normal health issues of a family, and everything else that could happen unexpectedly.

An Overview

Royal Sundaram Health Insurance comes in various shapes and sizes. Individual health coverage will take care of many people, while the family floater plan is particularly suited for young couples who want to take care of their families.

	Minimum	Maximum
Entry Age	18 years (91 months for dependent children)	No maximum age
Premium (individual)	₹3341	₹63,466
Sum Assured	Depends on the plan	Depends on the plan
Policy Term	1	3
Renewable till Age	-	Lifetime

Why Should I Buy the Royal Sundaram Health Insurance Plan

With a proper Royal Sundaram health insurance review, you can choose what sort of plan will be best for you and your loved ones. There are many loyalty discounts and coverage over a long period is bound to make you satisfied with the policy and let you rest peacefully.

Features and Benefits

The Royal Sundaram health policy benefits are many, from the set of policies that they give out.

·         Their network includes over 3000 hospitals, allowing cashless hospitalization

·         They have an ISO-certified process for claims

·         147 days of day care medical expenses are covered

·         Maternity benefits are covered

·         No maximum entry age, and no maximum renewal age

·         Both pre and post hospitalization benefits are extensive

·         Pre-existing diseases are covered after three consecutive years waiting period

·         Medical coverage includes ambulance expenses, organ donation procedure expenses, vaccination for animal bites and even worldwide emergency coverage under certain plans.

·         Accident coverage is present immediately after taking the policy

·         For accident claims, sum insured will be extended to an extra 50%

Eligibility

With age criteria, these policies are very broad

·         Anyone over 18 years of age can apply for this policy.

·         Dependent children from over 91 days up to less than 25 years of age can be covered for family policies.

·         There is no maximum entry-age for purchasing the policy.

·         A maximum of six members can be covered under a single Lifeline plan, including the primary member buying the policy.

·         Lifelong renewability is possible

Inclusions

Pre-hospitalization expenses covered for 30 days prior to the date of admission to hospital, and post hospitalization coverage for 60 months after discharge

Daily cash allowance for a maximum of 20 days under the Royal Sundaram Family Good Health Insurance scheme for each insured person

Convalescence benefits available, for all insured people up to a maximum amount per plan.

Emergency worldwide medical hospitalization available under the Elite plan.

Medical expenses for day care that does not require 24/7 hospitalization

Exclusions

Medical expenses will not be covered if

·         There are pre-existing ailments and related complications, for a period of 2-4 years.

·         There was abuse of intoxicants

·         Non-allopathic treatments

·         Cosmetic, aesthetic or related diseases

Documents Required

The application form needs to be filled up online, requiring a detailed history of past medical complications.

Under certain circumstances, a medical check-up will be needed. For many of Royal Sundaram’s Health Insurance policies, after a certain age the individual being insured will need to go through mandatory medical check-up.

You may like to read : Check Reviews First Before Buying Royal Sundaram Health Insurance

Claim Process

For the claims process:

If it is not a network hospital, then Royal Sundaram Health Insurance office needs to be notified, either through helpline or email or online.

Along with the claims form, relevant medical documents such as:

·         Diagnostic documents

·         Doctor’s certificate

·         Discharge report

·         And other reports

Need to be submitted to the Chennai office

For cashless claims, the Third Party Administrator will assist with claims reimbursement process.

ICICI Lombard Car Insurance Review

Under the Motor Vehicles Act 1988, it is mandatory for every vehicle owner to purchase vehicle insurance, and rightly so, a vehicle insurance protects you from the untimely disasters that are all so common on our roads.

On top of that, you never know when thefts or natural disasters will simply devoid the existence of a huge chunk of the property that is your vehicle. If you’re putting serious thought into buying a car insurance, perhaps ICICI Lombard Car Insurance is the one for you.

Overview-

There are no different types of policies under ICICI Lombard car insurance. However, you can purchase in three different options as given underneath.

Criterion	Option A	Option B	Option C
Self-damage to the vehicle	Covered	Covered	Covered
The third party inflicted damage to the vehicle	Covered	Covered	Covered
Roadside assistance	Covered	Covered	Covered
Consumables	Covered	Covered	Not Covered
Engine Protect Plus	Covered	Not Covered	Not Covered
Accident Cover For Passengers	Covered	Not Covered	Not Covered
Garage Cash	Covered	Not Covered	Not Covered

The premiums are highest for plan A, and lowest for Plan C. The amount you have to pay is as per the rules of Government of India as it is for all insurance policies. 

You may like : Benefits Of Having An ICICI Lombard Car Insurance: An Overview

Features And Benefits-

The features of this insurance plan as seen above are similar to what most insurance companies provide- 

1. Coverage of self-damage onto the vehicle

2. Coverage of third party damage onto the vehicle

3. Coverage of damage against man-made calamities and natural calamities

4. Third party legal liability

The benefits that separate this plan from most other plans are- 

1. 24/7 roadside assistance

2. Cashless claim settlement in over 3300 garages across the country

3. Daily allowance till the buyer’s car is in the garage.

4. Zero depreciation cover

5. Accidental coverage of up to Rs 2 Lakhs for co-passengers

6. 5% discount for registered members of automobile associations

7. No claim bonus

8. Towing facility in case of car breakdown

Inclusions- 

1. Coverage against any kind of loss due to natural calamities such as floods, earthquakes, landslides, rockslides, typhoons, cyclones, hurricanes, inundation, lightning, fire explosion, etc.

2. Coverage against man-made causes such as theft, robbery, burglary, riot, strike, terrorist activity or damage while the car is in transit by rail, waterway, elevator, roadway, etc.

3. Self-inflicted damage( accidents)

4. Third party liability coverage covers any bodily injury or any damage to any third party or surrounding property by use of the car.

5. Coverage of up to Rs 2 Lakhs for damage caused to co-passengers.

Exclusions-

1. Normal wear and tear due to daily usage and aging of the vehicle

2. Mechanical/electrical breakdown

3. Depreciation or any consequential loss

4. Loss/damage due to war, mutiny or risk

Documents Required- 

Applying for ICICI Lombard insurance does not need you to submit any documents. Simply visit the official website of the company, enter details of yourself and your car, find out how much you have to pay using ICICI Lombard car insurance premium calculator, and you are good to go.

You can even perform renewals using ICICI car insurance renewal service online without the need for documents.

Claim Process-

If you go to the 3300+ cashless garages across the country, you do not have to take out a single coin from your pocket and repairs will be done as long as they are covered by your policy. 

If you’re on the road during the incident, simply give a call to the ICICI Lombard toll-free number, and the assistant service will be on the way.

In the case of reimbursement claims, simply download the ICICI Lombard car insurance claim form, attach documents and bills related to the repairs of your car and send it to the postal address given to you upon purchase. In the case of robbery or theft, you need to attach the police FIR related to the vehicle.