Insurance |
CHO Plan |
No Pre Existing disease covered |
All Pre Existing disease covered |
There are age limits |
No age limits |
Only for hospitalisation |
Included Pre Hospitalisation |
Dentistry is not covered |
All dental treatments included |
Annual spending limit is fixed |
No limits on services |
Doesn’t cover OPD (consultation & examination) |
OPD is covered even with super specialist doctors also |
Pre Medical check-up required |
No Pre medical check-up required |
Rate-discount vary as per age, cover, past records |
Same rates for all members |
Group Insurance is very expensive |
CHO Health Plan for family is most economical |
Pathology & Radiology tests are not included till hospitalization |
All Pathology& Radiology tests are included at all stages - for any tests! |
Lot of terms and conditions while claiming |
No restrictions on while processing the concession |