Care (Formerly Religare) vs Raheja QBE Health Insurance

Compare Care(Formarly Religare) vs Raheja QBE 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
* Name, Email Id & Mobile No. are required 
Care(formarly Religare) Raheja QBE
Claims Settlement Ratio ** 95.2 % 100%
Number of Lives Covered * 1,07,13,000 135
Network Hospitals 16,500 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy buy-online Raheja QBE Raheja QBE
Maternity health insurance - JOY Care health insurance(Formarly Religare) - Care Health QuBE Arogya Sanjeevani
In-patient Treatment
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
Basic: 1% of sum insured
Comprehensive: No Limit
Super Saver: 1% of sum insured
Up to 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
Basic: 2% of sum insured
Comprehensive: No Limit
SuperSaver: 2% of sum insured
Up to 5% of the 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
Basic:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
Comprehensive:
3 to 50 Lakhs: 60 days
SuperSaver:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
30 days before the date of admission to the hospital
Post-hospitalization
60 days after discharge from the hospital Up to 60 days
Basic:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
Comprehensive:
3 to 50 Lakhs: 90 days
SuperSaver:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
60 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day care treatments Covered All the day care treatments
Domiciliary Treatment
Not Covered Up to 10% of sum insured
Basic:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Comprehensive:
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
SuperSaver:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
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
Basic:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Comprehensive:
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
SuperSaver:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisatio
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Covered up to Rs.2,000 per hospitalisation
Dental Treatment
Not Covered Not Covered Dental Treatment, dentures or surgery of any kind unless necessitated due to an accident Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Not 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)
Not Covered
Not Covered
New Born baby cover
3 lakhs: Up to Rs 30,000
5 lakhs: Up to Rs 50,000
Not Covered Not Covered Not Covered
Vaccination of the new born baby
Not Covered Covered Not Covered Not Covered
Organ Donor Expenses
Not Covered
Covered(Optional)
Basic:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Comprehensive:
3 to 50 Lakhs: 20% of sum insured
SuperSaver:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Not Covered
Cataract Treatment
Not Covered Not Covered Up to Rs.50,000
(inclusive of lens charges)
(Waiting period : 2 years)
Up to 25% of Sum insured or Rs.40,000, whichever is lower, per eye, under one policy year
(Waiting period : 2 years)
Vaccination (In case of post bite treatment)
Not Covered Covered Not Covered Not Covered
Health Check-up
Not Covered Covered Avilable only once a year 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
Basic:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Comprehensive:
3 to 50 Lakhs: Not Covered
SuperSaver:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Not Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years 20% co-pay above 60 years 5% co-pay 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 4 years Covered after a waiting period of 4 years
Restore Benefit
Not Covered
Recharge up to 100% of Base Sum Insured per year
Up to 100% of Base Sum insured paid for all illness Not Covered
General waiting period
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 Covered 5% every year, maximum up to 50% of Sum Insured
Emergency Air Ambulance
Not Covered
Covered
(Optional)
Not Covered Not Covered
Available sum insured options
Rs.3 & 5 Lakhs Rs.3 to 75 Lakhs
Basic: Rs.1 to 50 Lakhs
Comprehensive: Rs.3 to 50 Lakhs
SuperSaver: Rs.1 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 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)
Renewability
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
Claims loading
No Loading Loading Loading No Loading
Portablity(At the time of renewal)
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025