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Comparison Health Insurance vs CHO Health Saver Plan
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