Care (Formerly Religare) vs Bajaj Allianz Health Insurace

Compare Care(formerly Religare) vs Bajaj Allianz 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 
Care(formerly Religare) Bajaj Allianz
Claims Settlement Ratio ** 93.44% 94.55%
Number of Lives Covered * 1,07,13,000 2,46,85,000
Network Hospitals 7,400 + 6,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy buy-online bajaj-allianz-health-guard Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani
Maternity health insurance - JOY Care(formerly Religare) - Care Health Guard Health Ensure Health Care Supreme Arogya Sanjeevani
In-patient Treatment
Covered 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 Covers hospitalisation expenses due to an disease/illness/injury
Room Rent
Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day
5 to 10 Lakhs: Single private room
15 to 75 Lakhs: Single private room,upgradable to next level
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
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
ICU Charges
Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
Actual 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
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days Up to 60 days Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
60 days after discharge from the hospital Up to 60 days Up to 90 days Up to 60 days Up to 90 days Up to 60 days
Day Care Procedures
Covered Covers more than 540 day Care treatments All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered
Domiciliary Treatment
Not covered Up to 10% of sum insured Not Covered Not Covered Not Covered Not Covered
Emergency Ambulance
Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation
5 to 10 Lakhs: Rs.2,000 per hospitalisation
15 to 40 Lakhs: Rs.2,500 per hospitalisation
50 to 75 Lakhs: Rs.3,000 per hospitalisation
Up to Rs.20,000 per policy year Up to Rs.1,000 per hospitalisation Up to sum insured Up to Rs.2,000 per hospitalisation
Dental Treatment
Not covered Not covered Not Covered Not Covered Covered out patient expenses procedures – Root Canal Treatment, Extractions Dental treatment, necessitated due to disease or an injury
Bariatric Surgery
Not covered Not covered
50% of Sum insured maximum up to Rs.5 lakhs
(waiting period 3years)
Not Covered Covered if medically indicated Not Covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Covered Covered up to 20% of Sum Insured Covered Covered
Maternity Benefits
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 & 4 Lakhs: Not Covered
5 to 10 Lakhs: Not Covered
15 to 40 Lakhs: Not Covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
Not Covered
Up to Rs.25,000 to Rs.1 lakh
( waiting period: 2 years)
Not Covered
New Born baby cover
3 lakhs: Up to Rs 30,000
5 lakhs: Up to Rs 50,000
Not Covered 50% of Sum insured maximum up to Rs.5 lakhs Not Covered Covered if medically indicated Not Covered
Organ Donor Expenses
Not Covered
Covered(Optional)
Covered up to sum insured Covered up to sum insured Available up to Rs.500,000 Not Covered
Vaccination (In case of post bite treatment)
Not Covered Covered Not covered Not covered Not covered Not covered
Health Check-up
Not covered Covered Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim Annual Not Covered
Hospital daily allowance
Not Covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days Not Covered Not Covered Up to Rs.1,000 per day Not Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years
Co-pay options of NIL / 20% based on Zonewise treatment availed
Co-pay options of NIL / 20% based on Zonewise treatment availed Co-pay options of NIL 5% Co-pay applicable on all claims
Pre-existing diseases coverage
Covered after 4 years of continuous coverage. Covered after 4 years of continuous coverage. 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
Restore Benefit
Not Covered
Recharge up to 100% of Base Sum Insured per year
Restoration benefit available up to 100% of Base sum insured NIL restoration benefit Restoration benefit available up to 100% of Base sum insured NIL restoration benefit
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Covered(Optional)
10% for every claim free year up to 50% of sum insured 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) 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%
Emergency Air Ambulance
Not Covered
Covered
(Optional)
Not Covered Not Covered Rs.50,000 to Rs.5 lakhs Not Covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs
Silver Plan: Rs.1.5 Lakhs, 2 Lakhs;
Gold Plan: Rs.3 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs;
Floater: Rs.2 to 10 Lakhs
Rs.5 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1 year 1 year
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) 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 3 months to less than 30 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)
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
Daily Cash for Accompanying an Insured Child
Not covered Not covered Up to Rs.500 per day maximum up to 10 days during each policy year Not covered Not covered Not covered
Claims loading
No Loading Loading No Loading Loading Loading No Loading
Portablity
(At the time of renewal)
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

Compare other health insurance plans

Compare Health Benefit Plans

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India.. Continue reading

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement.. Continue reading

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Continue reading

Health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health Insurance Benefits

Indian Mediclaim Insurance Benefits

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison


Know more »

India health insurance Blogs

E India Insurance - Blog

Know more »

Insurance Articles

Health Insurance Articles


Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions


Know more »

India Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Icici Prudential
  • Ageon
  • Edelweiss
  • Max Lifw
  • TATA AIA Logo
  • kotak health Insurance Plans
  • go digit
  • bharti axa health Insurance Plans
  • Oriental Logo
  • New India Logo
  • Hdfc
  • Raheja QBE health Insurance Plans
-

ONLINE CHAT

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022