Care (Formerly Religare) vs Oriental Health Insurance

Compare Care(formerly Religare) vs Oriental 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
* Get insurance updates
Care(formerly Religare) Oriental
Claims Settlement Ratio ** 95.2 % 99.48 %
Number of Lives Covered * 1,07,13,000 3,03,25,000
Network Hospitals 16,500 + 4,300 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy Health-care Oriental Oriental Oriental
Maternity health insurance - JOY Care(formerly Religare) health insurance - Care Individual Mediclaim Happy Floater Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Covered
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
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
Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
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
30 days before the date of admission to the hospital 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
60 days after discharge from the hospital 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
Covered Covers more than 540 day Care treatments Covered Covered Covered
Domiciliary Treatment
Not Covered Up to 10% of sum insured Covered up to sum insured Covered up to sum insured 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
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 Not Covered Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Covered Covered Covered
Maternity Benefits
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 to 40 Lakhs: Not Covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
Not Covered
Silver & Gold: Not Covered
Diamond: COvered up to 2.5% of the sum insured
Not Covered
New Born baby cover
3 Lakhs: Up to Rs.30,000
5 Lakhs: Up to Rs.50,000
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
Organ Donor Expenses
Not Covered
3 & 4 Lakhs: Up to Rs.50,000
5 to 10 Lakhs: Up to Rs.100,000
15 to 40 Lakhs: Up to Rs.200,000
50 to 75 Lakhs: Up to Rs.300,000
Covered Lumpsum payment of 10% of the sum insured. Not Covered
Vaccination (In case of post bite treatment)
Not Covered Covered Not Covered Not Covered Not Covered
Health Check-up
Not Covered Covered Not Covered Not Covered 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 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
20% co-pay above 60 years 20% co-pay above 60 years 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 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage
Restore Benefit
Not Covered
Recharge up to 100% of Base Sum Insured per year
NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit
General waiting period
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 Not Covered Not Covered 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered
Covered(Optional)
Not Covered Not Covered Not Covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs 1 to 10 Lakhs
Silver: 2 to 5 Lakhs
Gold: 6 to 10 Lakhs
Diamond: 12 to 20 Lakhs
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
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 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
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Not Covered
Claims loading
No Loading Loading Loading 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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Indian Health Insurance Resources

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