| 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 |