|No Travel||Benefit Type||Sum Insured||Premium
|Digit Group Policy
|18-60 Yrs||Last 30 days||Indemnity||3L &
|1. 30& 60 Days pre & post Hospitalization
2. No room rent capping
3. Ambulance Assistance 1%
(with PhonePe & Flipkart)
|18-75 Yrs||After 31st Dec 2019||Lumpsum||25K||159||1. 4 free teleconsultations
2. Health Assistance Benefit
3. Ambulance Assistance
|Last 30 days
15 days waiting
|Indemnity||50K||199||1. 30-30 days pre & post|
|Reliance||3M-60 yrs||Last 45 days||Lumpsum||25k
1. Loss of Pay
2. Quarantine expenses (50% of SI)
3. Travel exclusion waiver.
4. Loss of Job
|Star||18-65 Yrs||N/A||Lumpsum||21K &
|Aegon Life||18-50 Yrs||Last 45 Days||Indemnity||50K to 1L*||903
|COVID is an Additional benefit on Term life cover. 24 Hrs Hospitalization is compulsory.|
Digit Policy Explanation: It’s a group policy.
ICICI Group Health Policy Explanation: *Health Assistance Benefit: Health Assistance Team will help you in identifying a Specialist or Hospital, fixing an appointment, information about the ailment and possible lines of treatment, suitable network providers, and appointment for a second opinion if required.
The above assistance for information is free but you need to pay if any of the services are availed.
Reliance group health insurance policy explanation:– If tested positive: 100%
– If not tested positive but quarantined for a minimum of 14 days: 50% of SI under Quarantine Add on the cover. Self-quarantine is not covered.
– Having a loss of pay due to quarantine and for a minimum of 14 days to a maximum of 30 days.
– Lost Job because of being diagnosed with Covid-19 or being quarantined due to COVID-19. 50% of SI for each opted number of months specified in the certificate, max up to 3 months. If employed in between, then the cover is terminated.
The above add-on benefits are available for 2L SI only.
Star Policy Special points: Claim is admissible on testing positive and only on hospitalization.
Aegon Policy Special Points: This policy is a combination of normal term insurance along with medical benefit limited to Covid-19 hospitalization.
The premium chart and further SI options are as below.
|Term Life Sum Insured||COVID Hospitalization SI||Premium incl GST|
When compared to other life insurance plans this is reasonably low in premium for the life cover available along with Covid-19 hospitalization. The life cover under this covers death due to any reason.
It truly depends on what insurance you already have to understand which Covid-19 insurance will suit you the best. Hence it is advisable to connect with an insurance broker to know the right match for you.