Purchasing a health insurance policy for your family can be a Herculean task, especially for a first-time buyer. Mixing of technical terms, miscalculating premium, and missing out on significant factors is a common mistake all of us make. Choosing a random policy at low premium is a trap many fall into, as the insurer pulls off your safety net exactly when you need it the most.
However, today’s competitive market has ensured that there are many good insurers to choose from. Even then, it a good idea to compare the products before settling with one, since each of our needs and preferences are unique. In our previous articles, we compared Star Comprehensive with ABHI Activ Assure Diamond; and GoDigit HealthCare Plan with ICICI iHealth. In this article, we look at how Max Bupa Health Companion and HDFC Suraksha differ from each other.
Let’s look at the similarities first. Both plans cover ICU charges, day care procedures, domiciliary hospitalization, and all expenses that require hospitalization of more than 24 hours. Both of them cover AYUSH related expenses, and have initial waiting periods of 30 days, specific waiting periods of 24 months, and cover pre-existing diseases after a waiting period of 36 months.
However there are also several noteworthy differences between the two, which we have listed below.
Photo by Ozan Safak on Unsplash.
OneAssure is a distribution platform that helps you make right decisions on matters where health and finances converge. Visit oneassure.in to know more about your health insurance choices.