JamunJar Health Insurance Scorecard
Check your policy across 5 areas + see insurer facts
1️⃣ Coverage Basics (20 pts)
Adequate Sum Insured?
Right cover: ₹10–20L in metro cities; ₹5–10L in smaller towns
Yes
No
Correct Plan Type (Floater vs Individual)?
Right choice: Floater for young families; Individual for seniors
Yes
No
No hidden sub-limits?
Right answer: No caps on heart, cancer, knee, etc.
Yes
No
2️⃣ Hospitalization & Benefits (30 pts)
No room rent cap?
Right cover: Any room including private
Yes
No
ICU charges fully covered?
Right answer: 100% ICU coverage
Yes
No
Consumables covered?
Right cover: Bandages, gloves, PPE covered
Yes
No
Pre-hospitalization ≥ 60 days?
Yes
No
Post-hospitalization ≥ 90 days?
Yes
No
Diagnostics & medicines included?
Right cover: All prescribed tests and medicines covered
Yes
No
3️⃣ Cashless & Network (15 pts)
Wide hospital network?
Right answer: 5000+ hospitals
Yes
No
Cashless approval < 2 hrs?
Right benchmark: 2 hrs or less
Yes
No
24x7 helpline/digital support?
Yes
No
4️⃣ PED & Waiting Periods (15 pts)
Pre-existing waiting ≤ 36 months?
Right benchmark: ≤ 3 years
Yes
No
Covers diabetes/hypertension?
Right answer: Should cover with manageable loading
Yes
No
No permanent exclusions?
Right answer: Should NOT exclude common conditions forever
Yes
No
5️⃣ Transparency & Value Adds (20 pts)
Restore / recharge option?
Yes
No
No Claim Bonus (NCB)?
Right feature: NCB of 50–100%
Yes
No
Premium stability?
Right answer: No sharp hikes in last 3 yrs
Yes
No
Claim settlement ratio > 90%?
Yes
No
Select Your Insurance Company
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Bajaj Allianz
ManipalCigna
Tata AIG
Acko
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