HDFC ERGO Health vs Godigit Health Insurace

Compare HDFC ERGO Health vs Godigit Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
HDFC ERGO Health Godigit
Claims Settlement Ratio ** 89.50% 60
Number of Lives covered * 51,16,000 -
Network Hospitals 10,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
HDFC ERGO Health Premium HDFC ERGO Health Optima Restore HDFC ERGO Health Arogya sanjeevani Godigit Godigit
Easy Health Optima Restore Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered up to sum insured Covered Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day Covered Covered
Pre-hospitalization
Covered up to 60 Days Covered up to 60 Days 30 days before the date of admission to the hospital
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Covered up to 90 Days Covered up to 180 Days 60 days after discharge from the hospital
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day care Procedures
Covered All day care treatments covered All day care treatments covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Covered Covered upto sum insured Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Individual - Standard & Exclusive: Not Covered
Platinum (4 lakhs to 10 lakhs): Up to 1% of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.7,500
Family - Standard & Exclusive: Not Covered
Platinum (4 to 10 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.10,000
(waiting period: 3 years)
Not Covered Dental treatment, necessitated due to disease or injury
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not Covered Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Standard: Up to Rs.20,000
Exclusive & Platinum (3 to 10 Lakhs): Up to Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.50,000
Not Covered Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Standard: Not Covered
Exclusive & Platinum (3 to 10 Lakhs): Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Normal Delivery Rs.30,000, Caesarean Delivery Rs.50,000
(Waiting Period: 4years)
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Standard: Not Covered
Exclusive & Platinum: Additional Benefit on payment of additional premium
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Daily Cash for Accompanying an Insured Child
Standard: Not Covered
Exclusive & Platinum (3 to 5 Lakhs): Rs.300 per day, maximum Rs.9,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.500 per day, maximum Rs.15,000
Exclusive & Platinum (15 to 50 Lakhs): Rs.800 per day, maximum Rs.24,000
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Organ Donor Expenses
Covered Covered up to sum insured Not Covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Standard: Every 4 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Exclusive: Every 3 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Platinum: Every 2 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Individual - 3 Lakhs: Not Covered
5 Lakhs: Up to Rs.1,500
10 Lakhs: Up to Rs.2,000
15 Lakhs: Up to Rs.4,000
20 to 50 Lakhs: Up to Rs.5,000
Family - 3 Lakhs: Not covered
5 Lakhs: Up to Rs.2,500
10 Lakhs: Up to Rs.5,000
15 Lakhs: Up to Rs.8,000
20 to 50 Lakhs : Up to Rs.10,000
Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Standard: Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (3 to 5 Lakhs): Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.800 per day, maximum Rs.4,800
Exclusive & Platinum (15 to 50 Lakhs): Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
3 to 15 Lakhs: Rs.800 per day, maximum Rs.4,800
20 to 50 Lakhs: Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
NIL Co-pay under this plan NIL Co-pay under this plan 5% Co-pay applicable on all claims
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Covered after a waiting period of 3 years Covered after a waiting period of 3 years Covered after a waiting period of 4 years
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
NIL Restoration Benefit under this plan Up to 100% of Base Sum Insured per year NIL Restoration benefit
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
10% on base sum insured for every claim free year and up to 100% 50% for every claim free year up to 100% of basic sum insured 5% for every claim free year up to 50% of sum insured
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Standard: Not Covered
Exclusive & Platinum (3 to 10 lakhs): Not Covered
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.2.5 lakhs per hopsitalisation
3 to 5 Lakhs: Not Covered
10 to 50 Lakhs: Covered up to Rs.2.5 lakhs per hospitalization and maximum up to sum insured in an year
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Individual - Standard Plan: Rs.1 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Family - Standard Plan: Rs.2 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 Lakhs
Rs.1 to 5 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2 years 1/2 years 1 year
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 91 days to 17 years)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
Loading Loading No Loading No Loading No Loading
Portablity (At the time of renewal)
Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025