Analysis of leading Global Healthcare Plans
Unbiased analysis of 10 market-leading global health plans.
Family Profile
Step 1 of 1Section 1: Market Average Premium Analysis
Section 2: Global Coverage Breakdown
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4 of 4 selected
| Feature | ICICI Lombard Elevate | Tata Medicare Premier | HDFC Ergo OS Global Cover | Care Advantage |
|---|---|---|---|---|
| Global Limit | Up To S.I, Max up to 3 Cr | Balance basic sum insured along with No Claim Bonus | Covered up to S.I | Covered up to S.I |
| Coverage Type | Add-on | In-Built | In-Built | In-Built |
| Coverage Scope | Planned and Emergency Treatment | Planned Treatment | Planned and Emergency Treatment | Planned Teatment |
| Diagnosis | Insured person can be diagnosed anywhere in the world | The diagnosis should happen in India | Insured person can be diagnosed anywhere in the world | The diagnosis should happen in India |
| Waiting Period | 24 Months (Can be reduced to 12 Months) | All Standard waiting periods | All Standard waiting periods | All Standard waiting periods |
| Key Conditions | 1. Can be availed by Insured Person(s) up to the age of 65 years 2. Cashless only | 1. coverage will be limited to Inpatient and daycare Hospitalization 2. Reimbursement basis | 1. Deductible of INR 10,000 per claim 2. Cashless and Reimbursement available | Cashless and Reimbursement available |
Section 3: 'Just in Case' Protection Comparison
| Feature | ICICI Lombard Elevate | Tata Medicare Premier | HDFC Ergo OS Global Cover | Care Advantage |
|---|---|---|---|---|
| Room Rent | Single Private AC Room can be upgraded to any room | No Limit | No Limit | No Limit |
| No Claim Bonus | 20% of S.I. for every claim-free year up to 100%. | 50 % per year max - 100 % | Plus Benefit: S.I. increases from 50% on renewal, max of 100% | 10% of SI per year, max up to 50% of SI |
| Modern Treatment | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured |
| Restoration | Reset Benefit: Unlimited times for any illness | Restore Infinity: Unlimited times in a policy year | Automatic restore: 100% of base sum insured | Automatic Recharge: Up to S.I |
| Domicillary | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured | Covered only in India |
| Day Care | Covered up to Sum Insured | 541 procedure covered | All Day Care Procedures | All Day Care Procedures |
| Non-Medical Items | Claim Protector | Consumables covered | Consumables covered | Covered with Claim Shield Plus |
| Pre/Post Hosp | 90/180 days | 60 / 90 Days | 60 / 180 days | 60 / 180 days |
Section 4: Non-Essential & Wellness Perks
| Feature | ICICI Lombard Elevate | Tata Medicare Premier | HDFC Ergo OS Global Cover | Care Advantage |
|---|---|---|---|---|
| Wellness Programs | Wellness Program (Up to 30% discount on renewal) | Rewards gained used for OPD/Pharmacy | Not Available | Not Available |
| Health Checkups | 0.5% of Si, max up to Rs. 5,000; cashless basis | 1 % health check-up max 10k (every 2 claim free yrs) | Preventive health check-up (after 1st policy year) | Available with Add-on |
| Organ Donor | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured |
| Tele-Consultation | Unlimited Tele consultations | Unlimited Tele Consultations | E-opinion for critical illness | Unlimited E-Consultations |
| Instant Cover (ABCD) | Available Jump Start | Available Advanced Cover | Available ABCD Chronic Care | Not Available |
| Ayush Cover | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured |
Section 5: Expert Recommendations
Premier Choice: Niva Bupa ReAssure 3.0
Offers the most comprehensive 'Borderless' experience with a massive 30L-5Cr global limit. Ideal for those prioritizing maximum coverage over premium cost.
Best Value: Reliance Health Infinity
Unbeatable pricing structure (approx 60% lower than market avg) while still offering a respectable 50L global limit. Perfect for young families looking for efficient security.
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A note on this page. Everything here is general information, not insurance, legal, financial or tax advice, and nothing is an offer. Premiums and figures shown are indicative and change; verify current terms before deciding. For advice about your situation, talk to us.