Comparision Chart of insurance Companies
 
Max Bupa
Oriental
Apollo Munich
ICICI Lombard
BAJAJ ALLIANZ
Heart beat Family first
Heart Beat Family first
Optima Family Restore
In-patient treatment Silver Policy Gold Policy Silver Plan Gold plan Health Smart Plus Health Smart Plus
Surgical operations including pre and post operative care Covered upto sum insured covered upto sum insured Covered upto sum insured Covered upto sum insured Covered upto sum insured Covered upto sum insured
Nursing care drugs and surgical dressing
Operation theatre charges and intensive care 2% of sum insured Covered upto sum insured Covered upto sum insured Covered upto sum insured
Doctors fees Covered upto sum insured Covered upto sum insured Covered upto sum insured Covered upto sum insured
Pathology, X-ray, diagnostic tests and therapies
Hospital accommodation Shared Room Single Private room 1% of sum insured No caping Covered upto sum insured Covered upto sum insured
Pre and post hospital expenses 15% of sum insured 20% of sum insured 30 days prior of admission date and 60 days after the discharge date Pre:- Covered upto 60 days
Post- Covered upto 180 days
2,000 each Pre:-Covered upto 30 days
Post - Covered upto 90 days
Co-payment No No 10% of sum insured No No No
All day car procedures Covered upto sum insured Covered upto sum insured Covered upto sum insured Compassionate visit (upto Rs,20,000 per member) Covered upto sum insured
Child Care benefits
Maternity cover up to 2 deliveries  Covered upto Rs.25,000 per policy year Covered upto 50,000 per policy year Nil Nil Normal Delivery:25000/ Caesarian:50000 Nil
New born baby cover Covered upto sum insured covered upto sum insured Nil Nil Rs.1,0000 Nil
vaccinations for children up to 12 years Nil Nil Nil Nil Nil Nil
Other benefits
Health check up  Once in a two years Annual tests as per annexure Nil Nil Nil Nil
Oragan transplant  Covered upto sum insured covered upto sum insured NA Covered upto sum insured 50,000 Per member and critical illness ( 50% of SI ) Covered upto sum insured
Emergency Ambulance Covered at actual cost in network hospitals up to sum insured 2,000 per illness and limited to maximum 1% of the sum insured or Rs.6,000 whichever is less for the entire policy period Upto Rs.2000 per Hospitalisation 15,00 Per Hospitalisation Upto Rs.2000 per Hospitalisation
Domiciliary treatment 15,000 37,500 Rs.50,000  covered upto sum insured 3,000 per day per member up to maximum of 15 days covered upto sum insured
Cumulative benefit every year on renewal 10% gift vaouchers of every renewal NA NA NA NA
OPD COVERAGE  NA NA NA NA OPD COVERAGE + Wellness & Preventive healthcare (rs.10000) NA
Hospital Cash Benefit NA NA NA NA Rs.2000 per day up to minimum 3 days hospitalization to maximum 10 days.. NA
NCB No No 5% NCB every claim free year upto 20% If the member have Rs.5 Lakh policy and exhaust the entire amount, we will restore Rs.5 Lakh, which u can use for some other illness or for any other member covered under the family floater policy, if needed NA 10 % of the suminsured
Example (Silver Plan) 
Sum insured of 5+15
(For 20 Lakh)
  (Gold Plan)    Sum Insured of 10lakh      
Husband ( Age of 33)
Wife( Age of 30)
Premium