Bajaj Allianz vs Oriental Health Insurance

Compare Bajaj Allianz vs Oriental Health Insurance Plans
Plan Type
Health
Coverage type
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  OR age    years
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Bajaj Allianz Oriental
Claims Settlement Ratio** 94.55% 99.48%
Number of Lives Covered* 2,46,85,000 3,03,25,000
Network Hospitals 6,500 + 4,300 +
  • * 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 Oriental Oriental Oriental
Health Guard Health Infinity Health Ensure Health Care Supreme Arogya Sanjeevani Individual Mediclaim Happy Floater 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 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 maximum Rs.5,000 per day Actual 2% of sum insured, maximum up to Rs.5,000 per day Not exceeding 1% of the sum insured per day
Silver & Gold: 1% of the sum insured per day
Diamond: Rs.10,000 and 0.5% of the sum insured above Rs.10 lakhs per day
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 Not exceeding 2% of the Sum Insured per day
Silver & Gold: 2% of the sum insured per day
Diamond: Rs.20,000 and 1% of the sum insured above Rs.10 lakhs per day
Up to 5% of 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 30 days before the date of admission to the hospital 30 days before the date of admission to the hospital 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 60 days after discharge from the hospital 60 days after discharge from the hospital 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 Covered Covered Covered
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Not Covered Covered up to sum insured Covered up to 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 Rs.2,000 or 1% of the sum insured not exceeding Rs.4,000
Silver: Rs.1,000 per illness and 1% of the sum insured subject to maximum Rs.3,000 per policy period
Gold: Rs.2,000 per illness and Rs.6,000 per policy period
Diamond: Rs.3,000 per illness and Rs.8,000 per policy period
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 Not Covered Not Covered Dental treatment, necessitated due to disease or injury
Bariatric Surgery
50% of Sum insured max upto 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 Covered 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 Not Covered
Silver & Gold: Not Covered
Diamond: COvered up to 2.5% of the sum insured
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 Not Covered
Silver & Gold: Not Covered
Diamond: Covered up to 2.5% of the sum insured up to 90 days from the date of birth
Not Covered
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 Not Covered Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Not Covered Covered up to sum insured Covered up to Rs.500,000 Not Covered Covered Lumpsum payment of 10% of the 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 yrs, 1% of sum insured, max Rs.5,000, irrespective of claim Every 3 years, up to maximum Rs.5,000 Every 3 yrs, 1% of sum insured, max Rs.1,500, irrespective of claim Annual Not Covered Not Covered Not Covered Not Covered
Hospital daily allowance
Not Covered Not Covered Not Covered Up to Rs.1,000 per day Not Covered 0.1% of the sum insured per day subject to maximum of 6 days per insured person
Silver: Not Covered
Gold: 0.1% of Sum Insured (Rs.600 to RS.1,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
Diamond: 0.1% of Sum Insured (Rs.1,200 to RS.2,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured
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 Option of Voluntary Co-pay of 10% or 20% with premium reduction Mandatory Co-pay of 10% up to 70years / Additional 20% above 70 years 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 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage
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 NIL Restoration benefit 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% Not Covered Not Covered 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 Not Covered Not Covered 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 Rs.1 to 10 Lakhs
Silver: Rs.2 to 5 Lakhs
Gold: Rs.6 to 10 Lakhs
Diamond: Rs.12 to 20 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 1/2/3 years 1/2/3 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) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) 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
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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Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025