Also, we do not have public information on how often and to what extent these are used.Ĭ. Built-in critical illness, personal accident benefit: These benefits are typically bundled with considerable restrictions on sum assured and number of diseases. Also, we do not have public information on the use of these features and the use will be limited.ī. OPD, International treatment – the tangible benefits vary significantly across products in amount and claim process. Certain product features have not been considered for the following reasons:Ī.Discounts on OPDs and diagnostics are also easily available without the insurance. Partly, this is because health check-ups are standard features now and the health check-ups offered tend to be basic. Health check-ups or discounts on purchases are not considered as wellness programmes. The monetary benefit may be lower premium or redeemable points.ī. These have been rated “Yes” if there is a monetary benefit for the insured to maintain good health. If no-claim bonuses do not increase sum assured but reduce premium, it has not been cobecause the purpose of a no-claim bonus is to increase sum assured in line with inflation.Ī. If there is a restriction on getting the most basic single room in the hospital.Ī. Any single room available in the hospital is allowed.ġ. So, if a co-pay kicks in on the secondģ.Co-pay is charged on non-network hospitals or reimbursement claims there is a co-pay for higher room categoryĤ.There is co-pay if treatment is taken in a different zoneĢ.There is a co-pay on ayurvedic or OPD but not on hospitalisation.ģ.Co-pay kicks in at an age higher than entry ageĬ.Optional discounts, for example to use network hospitals or opt for co-pay, have not been given weightage.ĭ.Where co-pay and without co-pay options are available, the product variants without co-pay have been taken.ġ. Only products listed on an insurer’s website have been consideredġ.There is a co-pay on multiple claims.To find out how these policies were rated on individual parameters, click here To know how these ratings are calculated, click here