YOUR POLICY REPORT CARD
Hello Jaspreet Singh,
Greetings from Test My Policy.

Thank you for choosing us to review your insurance.

Here is your policy report, recommendations and comparison quotes.

Your Policy Report Card

Name : Jaspreet Singh
Age : 37 years
Policy Type : Family Floater
Sum Insured : Rs.4,00,000
Insured by : Oriental Insurance
Premium : Rs. 10,773
Quote For : 2 Adults
Quote Validity : : 3 days
WHAT YOU SHOULD KNOW
Is my health cover enough?
No
Am i paying optimal premium for my health cover?
Yes
Does my health policy offer coverage without imposing any limits?
Yes
EXPLANATION
Your insurance is NOT ENOUGH to cover major hospitalization charges.
Yes, you are paying optimal premium for your sum insured.
Your current policy IMPOSES RESTRICTIONS on your treatment in certain room types.
Your Health Policy Explained
WHAT YOU SHOULD KNOW
1. Is my health cover enough? NO
EXPLANATION

Your insurance is NOT ENOUGH to cover major hospitalization charges.

2. Am i paying optimal premium for my health cover? YES
EXPLANATION

Yes, you are paying optimal premium for your sum insured.

3. Does my health policy offer coverage without imposing any limits? YES
EXPLANATION

Your current policy IMPOSES RESTRICTIONS on your treatment in certain room types.

WHAT YOU CAN DO Opt for 25 Lakhs Base Cover
at renewal.
Meanwhile, take a top up policy of
Rs. 20 Lakhs

Compare Your Policy

Find better alternatives to your current policy and port your policy 45 days before next renewal

COMPARE ALTERNATIVE BASE PLANS
Policy CURRENT POLICY PROPOSED POLICIES
Insurance Company Oriental Insurance ICICI Lombard Manipal Chigna Magama HDI
Plan Name
Sum Insured
Final Premium
SILVER PLAN
4 Lakhs
10,773
iHEALTH
4 Lakhs
18,497
PRO HEALTH PROTECT
5.5 Lakhs
16,532
SECURE
5 Lakhs
15,201
FEATURES
Donor Expenses Covered NA Covered upto SI NA
Second Opinion Cover Covered NA Covered upto SI NA
Health Maintenance Benefit/OPD Covered NA Covered upto SI NA
Domiciliary Treatment Covered NA Covered upto SI NA
In-Patient Hospitalisation 20% per claim NA NA NA
Waiting Period for Pre-existing Disease 4 years 2 years 4 years 3 Lakhs
Co-payment 10% of medical expenses NA NA NA
Pre & Post-Hospitalization 30 & 60 Days 30 & 60 Days 60 & 90 Days 30 & 60 Days
Ayush Benefit Covered Covered upto SI Covered upto SI 10% of SI
Ambulance Cover 1% of SI 1500/- per Hospitalization 2000/- per Hospitalization 2500/-
No Claim Bonus 5% every year sub to max 20% of Base SI 10% every year sub to max 50% of Base SI Guaranteed 5% add. to SI per policy year, max 200% of SI 10% of SI, max 50%
Restoration Benefit NA Up to Base SI Available once in policy year for unrelated illness 100% of Si, max 5 times a policy year
Day Care Procedures Covered 150 Day Care Covered Covered up to SI Covered up to SI
Health Check up NA Annual Available once in every 3rd policy year Annual
Room Rent 1% of SI No Capping Single Private Room Single Private Room
ICU Charges 1% of SI No Capping Single Private Room Single Private Room

Compare Top Up Policies

Comparison of Top Up policies to make your total coverage Rs 25 Lakha

TOP UP POLICY COMPARISON
Insurance Company Bajaj Allianz Manipal Chigna Manipal Chigna
Plan Name
Sum Insured
Final Premium
EXTRA CARE
10 Lakhs 15 Lakhs
4545 5634
SECURE
10 Lakhs
5434
SHIELD
15 Lakhs 20 Lakhs
6543 7654
FEATURES
Deductible 5 Lakhs 5 Lakhs 5 Lakhs
Donor Expenses NA NA Covered upto SI
Second Opinion Cover NA NA Covered upto SI
Health Maintenance Benefit/OPD NA NA Covered upto SI
Domiciliary Treatment NA NA Covered upto SI
Waiting Period for Pre-existing Disease 4 years 2 years 4 years
Pre & Post-Hospitalization 30 & 60 Days 60 & 90 Days 60 & 90 Days
Ayush Benefit Covered Covered up to SI Covered up to SI
Ambulance Cover 1% of SI 1500/- per Hospitalization 2000/- per Hospitalization
No Claim Bonus 5% every year sub to max 20% of Base SI 10% every year sub to max 50% of Base SI Guaranteed 5% increase in SI per policy year, max upto 200% of SI
Restoration Benefit NA Up to Base SI Available once in policy year for unrelated illness
Day Care Procedures Covered 150 Day Care Covered Covered up to SI
Health Check up NA Annual Available once in every 3rd policy year
Room Rent 1% of SI No Capping Single Private Room
ICU Charges 1% of SI No Capping Single Private Room

YOUR PERSONALISED RECOMMENDATIONS

Increase your sum insured from the current amount of
<current SI> to proposed SI of <proposed SI>
Port existing policy to <company name>
with a premium of Rs. <premium amount>
before <date>
Purchase a top up policy from <company name>
with a premium of Rs. <premium amount>
Go for 2/3 years plan and save up to 10% on premium
THE LOGIC BEHIND OUR RECOMMENDATIONS

Increase your health cover from 4 lakhs to Rs. 25.5 lakhs
with an additional premium of Rs. 13,413/-

COMPARISON CHART Sum Insured Premium
Current Policy 4 Lakhs Rs.10,773
Recommended 25.5 Lakhs Rs.24,186
Always prefer a single policy with a higher Sum Insured
In the Interim we suggest you take a Top-Up of Rs. 15 Lakhs with a premium of Rs. 3956
Base Policy 5.5 16,532
Top-Up Policy 20 7,654
Did you Know?

For ICU or serious ailments, hospital charges per day charges can go up to Rs. 2.5 lakh/day


Go for a higher sum insured policy
SUM INSURED V/S ADDITIONAL PREMIUM
Sum Insured (Lakhs) 5 7.5 10 20 30 50
Sum Insured (Lakhs) 5 7.5 10 20 30 50
Always prefer a single policy with a higher Sum Insured

Total premium for the revised sum of 25 Lakhs will be Rs. 35000/- which is higher than the above proposed premium of Rs. 24,186/- (for base + top up) by an additional Rs. 11,000/-

In a base + top up policy combo, features & limits of your base policy apply to top up policy as well

For eg. If base policy has a capping on room rent @ 1% of sum insured, even with a top up policy of 20 lakhs, your room eligibility is Rs. 5,000/- per day

Port your policy to a higher sum insured of 25 Lakhs gives you a single private room

irrespective of the cost and many other additional features

Porting to higher Sum Insured Policy happens 30 days prior to the next renewal date

which in your case is 28.01.2021


Go for a higher sum insured policy
Pay 3 years premium & save a lot more
Sum Insured (Lakhs) 5 7 10 15 20 30 50
Premium
1 Year
20898 22503 24203 26136 27508 29441 31878
Premium
2 Year
39706 42756 45986 49658 52265 55938 60568
Premium
3 Year
59977 64584 69463 75010 78948 84496 91490

* After final sum insured is decided, you can pay premium for 2/3 years instantly and save on premium escalation on he expected soon

* Also, the Insurance companies provide a discount in premium amount to the tune of 10% to 12.5%

A WORD OF CAUTION

Loading Amount may be applicable in case of Pre-Existing Diseases and your BMI
It is advisable to disclose any kind of Pre-Existing Diseases (PED) / condition or medical history to the insurance company to avoid any issues at the time of claim settlement.

*Conditions Apply

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