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Compare the two insurance plans and choose the one that suits your needs.

Option 1 offers maternity benefits and newborn coverage, while Option 2 has a lower room rent limit but no maternity benefits.

Coverage Category	Option 1	Option 2
Pre-Existing Diseases	Covered after 12 months	Covered after 12 months
Initial Waiting Period	30 days waiting period except Accidental Hospitalization	30 days waiting period except Accidental Hospitalization
Day Care Procedures	Covered for Specific procedures as per list	Covered for Specific procedures as per list
Age Group	Adult Entry age - 18 to 65 age, Child 91 days to 25 years	Adult Entry age - 18 to 65 age, Child 91 days to 25 years
Maternity Benefits	Covered up to INR 50,000	Not covered
Newborn Baby Cover	Covered from day one if the mother is covered	Not covered
Pre and Post Natal Cover	Up to 5000 within maternity limit	Not covered
Ambulance Charges	Covered up to INR 2000 per incident	Covered up to INR 2000 per incident
Domiciliary Hospitalization	Covered up to a specified limit	Covered up to a specified limit
Out-Patient Department (OPD)	Not covered	Not covered
Home Treatment (Domiciliary)	Not covered	Not covered
Mental Health Treatment	Not covered	Not covered
Alternative Treatments (AYUSH)	Covered but with limitations	Covered but with limitations
Pre and Post-Hospitalization	30 days pre and 60 days post hospitalization expenses are covered	30 days pre and 60 days post hospitalization expenses are covered
Co-pay	No Copay	No Copay
Room Rent Limits	2% SI for normal room and 4% SI for ICU/NICU/ICCU	1% SI for normal room and 2% SI for ICU/NICU/ICCU

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