Mediclaim policy vs LIC Health Plus policy

Partiulars	Mediclaim Policy	LIC Health Plus policy
Class of insurance	General insurance	Life insurance
Benefits	Reimburses medical expenses	1) Death coverage  2) ULIP investment    benefits 3) Other benefits  Hospital Cash benefit Major Surgical Benefit Domicilary Treatment Benefit
Entry age	3 months - 60 yrs	18 yrs - 55 yrs
Tenure	Valid for 1 year	Min - 7 yrs
Cash less facility (TPA)	Available	Not available
Expenses covered	1) Pre and post hospitalization       expenses 2) Hospitalization expenses  Hospital room rent Doctor fees Medical tests OT (Operation Theatre) charges Medicines	1) No pre and post hospitalization expenses 2) No hospitalization expenses
Premium Allocation	Towards risk coverage	Towards policy administration, fund management and risk coverage
Surrender benefit	Not Applicable	Available
Maturity /Death Benefit	Not Applicable	Available