Max Bupa vs HDFC ERGO Health Insurance

Compare Max Bupa vs HDFC ERGO

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 
Max Bupa Heartbeat Max Bupa premia Max Bupa Companion Max Bupa Go-Active Hdfc ergo Hdfc ergo Hdfc ergo
Heartbeat
Gold
Platinum
Gold
Platinum
Premia
Companion
Go-Active
Health Suraksha
Gold Smart
Platinum Smart
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Covered
Room Rent
Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Silver and Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Covered up to Sum Insured (except for Suite or above room category)
4 Lakhs: Up to 1% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)(Limit included in Inpatient Care sum insured)
At Actual capping on room rent Up to 2% of the sum insured subject to maximum of Rs.5,000 per day.
ICU Charges
Covered up to sum insured Covered Covered
4 Lakhs : Up to 2% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)
At Actuals Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
60 days (Covered upto sum insured) 90 days before the date of admission to the hospital 30 days before the date of admission to the hospital 90 days before the date of admission to the hospital 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
90 days (Covered upto sum insured) 180 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital 180 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Covered
Emergency Ambulance
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Up to Rs.3,000 per hospitalisation Up to Rs.3,000 per hospitalisation
Silver Smart: Rs.2,000
Gold Smart: Rs.3,500
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs : Rs.15,000
Covered Maximum of Rs.2,000 per hospitalisation
Dental Treatment
Not covered Out patient dental treatment is covered Covered except for inpatient hospitalization due to an Accident. Not covered Not Covered Not Covered Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered
Silver: Not Available
Gold: Covered up to Rs.1,00,000
Platinum: Covered up to Rs.1,50,000
(waiting period 3 Years)
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered Covered up to reasonable and customary charges Covered Ayurveda, Unani, Sidha and Homeopathy Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Maternity Benefits
Gold(5 Lakhs): Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 15 Lakhs: Covered up to Rs.120,000
20 Lakhs: Covered up to Rs.160,000;
50 lakhs & 1 crore : Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Silver - 5 Lakhs: Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
Gold - 10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 1 crore to 3 crores: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Not Covered Not Covered Covered(Optional)
(Waiting period : 3 years)
Not Covered Not Covered
New Born baby cover
Covered up to sum insured Covered up to sum insured Not Covered Not Covered Up to parent care sum insured(Optional) Not Covered Not Covered
Vaccination of the new born baby
Covered until new born baby completes one year vaccinations
(as mentioned in the policy document)
Covered until new born baby completes one year Not Covered Not Covered
Silver Smart: Rs.5,000
Gold Smart: Rs.5,000
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.5,000
Sum insured 50 & 75 lakhs: Rs.15,000
(Optional)
Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered
Varient1(2 to 4 Lakhs): Up to Rs.2,500
Varient2(5 to 12.5 Lakhs): Up to Rs.5,000
Varient3( 15 to 100 Lakhs): Up to Rs.7,500(OPD benefit upto defined limit as part of overall limit)
Not Covered Not Covered Not Covered Not Covered
Health Check-up
Gold - 5 Lakhs: Annually covered up to Rs.1,250 per insured person
7.5 Lakhs: Annually covered up to Rs.1,875 per insured person
10 to 50 Lakhs : Annually covered up to Rs.2,500 per insured person
(Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year)
Platinum - 15 Lakhs : Annually covered up to Rs.3,750 per insured person;
20 Lakhs to 1 Crore : Annually covered upto Rs.5,000 per insured person
Silver(5 Lakhs): Covered up to worth Rs.1,250 per insured person
Silver(7.5 Lakhs): Covered up to worth Rs.1,875 per insured person
Gold(10 to 20 Lakhs): Covered up to worth Rs 2,500 per insured person
Gold(30 Lakhs): Covered up to worth Rs 5,000 per insured person
Gold(50 Lakhs): Covered up to worth Rs.7,500 per insured person
Platinum(1crore to 3Crores): Covered up to worth Rs.10,000 per insured person
Varient1(2 to 4 Lakhs): once in every 2years
Varient2 & Varient3: Once in every year
Available Covered
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not Covered
Hospital daily allowance
Gold: Rs.3,000 per day
Platinum: Rs.6,000 per day
(Min 48hrs contineous hospitalisation required coverage offered for 30 days per policy year)
Silver: Rs.3,000 per day
Gold: Rs.5,000 per day
Platinum: Rs.7,500 per day
Varient1: Rs.1,000 per day
Varient2: Rs.2,000 per day
Varient3: Rs.4,000 per day
(Min 48hrs contineous hospitalisation required)
Not Covered Covered up to Sum Insured Covered up to Sum Insured Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000 per day for one accompanying adult for 24 hours. Not Covered Not Covered Not Covered
Co-pay
Options of 10% and 20% co-payment NIL co-pay for all inpatients, Up to 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment NIL co-pay for all inpatients, Up to 20% for OPD & other treatments
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims
Pre-existing diseases coverage
Pre-existing diseases covered after 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases for 2 to 4 Lakhs is covered after 4 years and for 5 to 100 Lakhs is covered after 3 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
Restore Benefit
Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Sum Insured Rebound upto 100% of Sum Insured per year Not Covered Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
10% on base sum insured for every claim free year and up to 100% 10% on base sum insured for every claim free year and up to 100% 20% on base sum insured for every claim free year and up to 100% Not Covered
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%
5% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Emergency Air Ambulance
Gold: Not Covered
Platinum: Covered up to Sum Insured
Covered up to Sum Insured Not Covered Not Covered
Silver Smart:Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart : Up to 5 lakhs.
Not Covered Not Covered
Available sum insured options
Gold: 5 to 50 Lakhs
Platinum: 15 Lakhs to 1 Crore
Silver: 5 to 7.5 Lakhs
Gold: 10 to 50 Lakhs
Platinum: 1 to 3 crores
Varient1: 2 to 4 Lakhs
Varient2: 5 to 12.5 Lakhs
Varient3: 15 to 100 Lakhs
1 to 25 Lakhs
Silver Smart: 3 to 5 Lakhs
Gold Smart: 7.5 to 15 Lakhs
Platinum Smart: 20 to 75 Lakhs
3 to 50 Lakhs 1 to 5 Lakhs
Policy can be purchased for
1/2 years 1/2/3 years 1/2 years 1/2/3 years 1/2/3 Years 1/2/3 Years 1 Year
Eligibility criteria
Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
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 Renewal for whole life
Claims loading
No Loading No Loading No Loading No Loading Loading Loading No Loading
Portablity(At the time of renewal)
Yes 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 Income tax benefit under section 80D
Useful Links
Max Bupa HDFC Ergo
Claims Settlement Ratio ** 85.96% 85.97%
Number of Lives Covered * 54,33,000 96.05,000
Network Hospitals 4,500 + 10,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

India health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Portability

Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

-

ONLINE CHAT

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