Care (Formerly Religare) vs Reliance health insurance

Compare Care(formerly Religare) vs Reliance 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(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 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy buy-online HealthGain Healthwise Health Infinity Arogya Sanjeevani
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)
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

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022