Compare Care(formerly Religare) vs Reliance Health Insurace
| Care(Formarly Religare) | Reliance | |
|---|---|---|
| Claims Settlement Ratio ** | 85.96% | 80.61% |
| Number of Lives Covered * | 54,33,000 | 22,48,000 |
| Network Hospitals | 4,500 + | 4,000 + |
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| Maternity health insurance - JOY | Care(formerly Religare) - Care | HealthGain | Healthwise | Health Infinity | Arogya Sanjeevani |
| In-patient Treatment | |||||
| Covered | Covered | Covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours. | Covers hospitalisation expenses due to an disease/illness/injury per policy period | Covered, no-sub limits | Covers hospitalisation expenses |
| 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 |
Actual | No sub-limit | No sub-limit | Up to 2% of the sum insured subject to maximum of Rs.5000 per day. |
| ICU Charges | |||||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
Not Covered | Not Covered | Covered | Expenses 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 | Up to 60 days | Standard Plan 30 days Silver & Gold Plan 60 days |
90 days before the date of admission to the hospital | Covers medical expenses incurred 30 days prior to the date of hospitalisation. |
| Post-hospitalization | |||||
| 60 days after discharge from the hospital | Up to 60 days | Up to 60 days | Standard Plan 60 days Silver & Gold Plan 90 days |
180 days after discharge from the hospital | Covers medical expenses incurred up to 60 days from the date of discharge. |
| 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 | Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure. |
| Domiciliary Treatment | |||||
| Not covered | Up to 10% of sum insured | Up to 10% of base sum insured,subject to maximum of Rs.50000 | Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation | 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 |
Up to Rs 1,500 to Rs 3000 per hospitalisation | Standard Plan 500 per hospitalisation Silver Plan 750 per hospitalisation Gold Plan 1000 per hospitalisation |
Covered, No Sub-limits | Up to Rs 2,000 per hospitalisation |
| Dental Treatment | |||||
| Not covered | Not covered | Not covered | Not covered | Not covered | Covered |
| Bariatric Surgery | |||||
| Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Ayush Benefit | |||||
| Not Covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | Not covered | Not covered | Covered, no-sub limits | Covered, no-sub limits |
| 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 | 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 | Not covered | Not covered |
| Organ Donor Expenses | |||||
| Not Covered | Covered(Optional) |
50% of Sum insured up to max Rs 5 lakh | Available only under Gold and Silver plans | No-sublimit | 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 | Not covered | Standard Plan: No Silver Plan 7: Rs.250 per day for a maximum period of 5 days Gold Plan: Rs.300 per day for a maximum period of 5 days |
10% discount on health check-up | 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 | Standard Plan: No Silver Plan: No Gold Plan: Rs.250 per day up to 7 days |
Not covered | Not covered |
| Co-pay | |||||
| 20% co-pay above 60 years | 20% co-pay above 60 years | NIL for insureds lessthan 61 yrs/ 20% co-pay for ages graterthan 61 yr | Not covered | 10%, if opted | 5% for all claims |
| Pre-existing diseases coverage | |||||
| Covered after 4 years of continuous coverage. | Covered after 4 years of continuous coverage. | Pre-existing diseases covered after 36 months of continuous coverage. | Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan.. | Pre-existing diseases covered after 36 months of continuous coverage. | Pre-existing diseases covered after 48 months of continuous coverage. |
| Restore Benefit | |||||
| Not Covered | Recharge Up to 100% of Base Sum Insured per year |
Not applicable | Not applicable | Equal to 100% of Sum Insured | Not applicable |
| General waiting period | |||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 48 days |
| Renewal Benefit / Cumulative Bonus | |||||
Covered(Optional) |
10% for every claim free year up to 50% of sum insured | 33.33% increase in Base sum insured for every claim free year; Max up to 100%. 33.33% decrease in Base sum insured for every claim year; Max up to Cumulative Bonus earned. | Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date. | 10% discount on renewal premium | Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of sum insured. |
| Emergency Air Ambulance | |||||
| Not Covered | Covered (Optional) |
Not covered | Not covered | Not covered | Not covered |
| Available sum insured options | |||||
| 3 & 5 Lakhs | 3 to 75 Lakhs | Plan A: 3 lakh, 6 lakh & 9 lakhs Plan B: 12 lakh,15 lakh & 18 lakhs |
5 lakhs | 3 lakhs to 1 CRORE | 1 lakh, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs and 5 lakhs. |
| Policy can be purchased for | |||||
| 1/2/3 years | 1/2/3 years | 1 years | 1 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 | 65 years. No entry age bar for an insured sum of 3 lakh covered under the policy | Maximum age to enter the plan is 65 years covered under the policy | Child: 91 days to 25 years Adult: 18 years to 65 years covered under the policy |
Child: 91 days to 25 years Adult: 18 years to 65 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 | Not covered | Not covered | Not covered | Not covered |
| Claims loading | |||||
| No Loading | Loading | No Loading | 5% for one condition ,max up to 25% | 10% for one condition , max up to 50% | No Loading |
| Portablity (At the time of renewal) |
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| 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 |
