Bajaj Allianz vs HDFC ERGO Health Insurance

Compare Bajaj Allianz vs HDFC ERGO Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
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Bajaj Allianz HDFC ERGO Health
Claims Settlement Ratio** 94.55% 89.50%
Number of Lives Covered* 2,46,85,000 51,16,000
Network Hospitals 6,500 + 10,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Bajaj Health Guard Insurance Health Infinity Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani HDFC ERGO Health Premium HDFC ERGO Health Optima Restore HDFC ERGO Health Arogya sanjeevani
Health Guard Health Infinity Health Ensure Health Care Supreme Arogya Sanjeevani Easy Health Optima Restore Arogya Sanjeevani
In-patient Treatment
Covers hospitalisation expenses due to an disease/illness /injury Covered Covers hospitalisation expenses due to an disease/illness /injury Covers hospitalisation expenses due to an disease/illness /injury Covers hospitalisation expenses due to an disease/illness /injury Covered up to sum insured Covered Covered
Room Rent
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
Room rent expenses as provided by the Hospital/ Nursing Home maximum up to the per day room rent limit opted. 1% of sum insured per day max.Rs.5,000 per day Actual 2% of sum insured, maximum up to Rs.5,000 per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Actual If admitted in ICU, the Company will pay up to ICU actual expenses provided by Hospital. 2% of sum insured per day maximum Rs.10,000 per day Actual 5% of sum insured, maximum up to Rs.10,000 per day Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
Up to 60 days Up to 60 days Up to 30 days Up to 60 days Up to 30 days Covered up to 60 Days Covered up to 60 Days 30 days before the date of admission to the hospital
Post-hospitalization
Up to 90 days Up to 90 days Up to 60 days Up to 90 days Up to 60 days Covered up to 90 Days Covered up to 180 Days 60 days after discharge from the hospital
Day Care Procedures
All day care procedures are covered The Company will pay the Insured medical expenses as listed All day care procedures are covered All day care procedures are covered Covered All day care treatments covered All day care treatments covered 142 day care expenses covered
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Not Covered Covered Covered upto sum insured Not Covered
Emergency Ambulance
Up to Rs.20,000 per policy year Up to Rs.5,000 per hospitalization Up to Rs.1,000 per hospitalisation Up to sum insured Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation
Dental Treatment
Not Covered Not Covered Not Covered Covered out patient expenses procedures – Root Canal Treatment, Extractions Dental treatment, necessitated due to disease or an injury
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
Bariatric Surgery
50% of Sum insured maximum up to Rs.5 lakhs(waiting period 3years) Not Covered Not Covered Covered if medically indicated Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Not Covered Covered up to 20% of Sum Insured Covered Covered
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
Maternity Benefits
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
Not Covered Not Covered
Up to Rs.25,000 to Rs.1 lakh
( waiting period: 2 years)
Not Covered
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: 4 Years)
Not Covered Not Covered
New Born baby cover
50% of Sum insured maximum up to Rs.5 lakhs Not Covered Not Covered Covered if medically indicated Not Covered
Standard: Not Covered
Exclusive & Platinum: Additional Benefit on payment of additional premium
Not Covered Not Covered
Vaccination of the new born baby
Covered Not Covered Not Covered Covered Not Covered Not Covered Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Not Covered Covered up to sum insured Available up to Rs.500,000 Not Covered Covered Covered up to sum insured Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim Every 3 years, up to maximum Rs.5,000 Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim Annual Not Covered
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
Hospital daily allowance
Not Covered Not Covered Not Covered Upto Rs.1,000 per day Not Covered
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
Co-pay
Co-pay options of NIL / 20% based on Zonewise treatment availed
Co-pay co-payment of 15%, 20%, 25% applies on the declared amount exceeding 100 times the per day room rent
Co-pay options of NIL / 20% based on Zonewise treatment availed Co-pay options of NIL 5% Co-pay applicable on all claims NIL Co-pay under this plan NIL Co-pay under this plan 5% Co-pay applicable on all claims
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 2 years Covered after a waiting period of 2 years Covered after a waiting period of 4 years Covered after a waiting period of 3 years Covered after a waiting period of 3 years Covered after a waiting period of 4 years
Restore Benefit
Restoration benefit available up to 100% of Base sum insured NIL restoration benefit NIL Restoration benefit Restoration benefit available up to 100% of Base sum insured NIL restoration benefit NIL Restoration Benefit under this plan Up to 100% of Base Sum Insured per year NIL Restoration benefit
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) Insured member is eligible for 5% discount at each renewal provided he / she submits the mentioned medical test reports & if all the reports are falling within normal range. 5% on base sum insured for every claim free year and up to 25% 10% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50% 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
Emergency Air Ambulance
Not Covered Not Covered Not Covered Rs.50,000 to Rs.5 lakhs Not Covered
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
Available sum insured options
Silver Plan: Rs.1.5 Lakhs, 2 Lakhs
Gold Plan: Rs.3 to 50 Lakhs
No Limit
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 Lakhs
Rs.5 to 50 Lakhs Rs.1 to 5 Lakhs
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
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1 year 1 year 1/2 years 1/2 years 1 year
Eligibility criteria
Adults from 18 to 65 years (dependents 3 months to less than 30 years)
Minimum Entry age for proposer/ spouse/ dependent parents - 18 years.
Maximum Entry Age for proposer/ spouse/ dependent parents - 65 years.
Minimum Entry age for dependent Children - 3 months.
Maximum Entry Age for dependent Children - 25 years.
Adults from 18 to 99 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years) 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)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Up to Rs.500 per day maximum up to 10 days during each policy year Not Covered Not Covered Not Covered Not Covered
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
Claims loading
No Loading No Loading Loading Loading No Loading Loading Loading No Loading
Portablity
(At the time of renewal)
Yes Yes Yes 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 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 07/08/2022