Care (Formerly Religare) vs SBI General Health Insurance

Compare Care vs SBI General

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
maternity-health-policy buy-online SBI General SBI General SBI General SBI General
Maternity health insurance - JOY
Care(formerly Religare) health insurance - Care
Retail Health
Arogya Premier
Arogya Plus
Arogya Plus Plan1
Arogya Plus Plan2
Arogya Plus Plan3
Arogya Sanjeevani
In-patient Treatment
Covered 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
1% of sum insured per day Covered Covered 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
2% of sum insured per day Covered Covered 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 Up to 30 days Up to 60 days Up to 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 Up to 60 days Up to 90 days Up to 90 days 60 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day care treatments 142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
Domiciliary Treatment
Not Covered Up to 10% of sum insured 20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation 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
1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation.
Dental Treatment
Not Covered Not Covered Covered Covered Covered Dental treatment necessitated due to disease or injury
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 Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered 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 Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule. 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
Vaccination of the new born baby
Not Covered Covered Not Covered Not Covered Not Covered Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period Not Covered Not Covered Not Covered
Organ Donor Expenses
Not Covered
Covered(Optional)
Covered Covered Not Covered Not Covered
Cataract Treatment
Not Covered Not Covered 15% of the sum insured subject to a maximum of Rs.25,000 per eye Not Covered Not Covered 25% of sum insured or Rs.40,000, whichever is lower, per each eye in one policy year
Vaccination (In case of post bite treatment)
Not Covered Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Not Covered Covered 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year 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 Not Covered Not Covered Not Covered Not Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 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 a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years
Restore Benefit
Not Covered
Recharge Upto 100% of Base Sum Insured per year
Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
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 5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured
Emergency Air Ambulance
Not Covered
Covered
(Optional)
Not Covered Up to Rs.100,000 Not Covered Not Covered
Available sum insured options
Rs.3 & 5 Lakhs Rs.3 to 75 Lakhs Rs.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 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 1/2/3 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 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 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 Renewal for whole life
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
Useful Links
Care(Formarly Religare) SBI General
Claims Settlement Ratio** 95.2 % 62.73%
Number of Lives Covered* 1,07,13,000 27,48,000
Network Hospitals 16,500 + 6,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022