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Max Bupa vs Reliance health insurance


Plan benefits

Max Bupa health insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online
Heartbeat Gold Heartbeat Platinum Health Gain
Policy can be purchased for 1 year / 2 years (if purchased for 2 years, a discount of 12.5% is applicable) 1 year / 2 years (if purchased for 2 years, a discount of 12.5% is applicable) 1 year (if purchased for single women or girl child, a discount of 5% is applicable)
Eligibility criteria Adults from 18 to 90 years Adults from 18 to 90 years Adults from 18 to 65 years (dependents 91 days & up to 4 years can be covered under floater plan)
Available sum insured options Rs.5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 30 lakhs, 50 lakhs Rs.15 lakhs, 20 lakhs, 50 lakhs, 1 crore Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs
Renewability Renewal for whole life Renewal for whole life Renewal for whole life
In-patient Treatment Covered up to sum insured Covered up to sum insured Covered
Pre-hospitalization 60 days 60 days 60 days
Post-hospitalization 90 days 90 days 60 days
Day Care Procedures All day care procedures are covered All day care procedures are covered 172 day care procedures are covered
Domiciliary Treatment Covered up to sum insured Covered up to sum insured Up to 10% of base sum insured, maximum Rs.50,000/-
Organ Donor Expenses Covered up to sum insured Covered up to sum insured Up to 50% of the base sum insured, maximum Rs.5 lakh
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.1,500/- for 3 lakh, 6 lakh, 9 lakh
Up to Rs.3,000/- for 12 lakh, 15 lakh and 18 lakh (road ambulance)
Dental Treatment Not covered Not covered Not covered
Ayush Benefit Not covered Not covered Not covered
Maternity Benefits After continuous coverage of 24 months, up to 2 pregnancy
Sum Insured(Rs.)Description
5 lacsCovered up to Rs.40,000
7.5 lacsCovered up to Rs.60,000
10 lacsCovered up to Rs.70,000
15 lacsCovered up to Rs.75,000
20 lacsCovered up to Rs.80,000
30, 50 lacsCovered up to Rs.100,000
After continuous coverage of 24 months, up to 2 pregnancy
Sum Insured(Rs.)Description
15 lacsCovered up to Rs.120,000
20 lacsCovered up to Rs.160,000
50 lacsCovered up to Rs.200,000
1 croreCovered up to Rs.200,000
Not covered
New Born baby cover Covered up to sum insured (covered uptill the end of Policy Year) Covered up to sum insured (covered uptill the end of Policy Year) Not covered
Daily Cash for Accompanying an Insured Child Not covered Not covered Not covered
Vaccination of the new born baby Covered until new baby completes one year vaccinations Covered until new baby completes one year vaccinations Not covered
Health Check-up
Sum InsuredDescription
5 lacsAnnually covered up to 1,250 per insured person
7.5 lacsAnnually covered up to 1,875 per insured person
10, 15, 20, 30, 50 lacsAnnually covered up to 2,500 per insured person
Sum InsuredDescription
15 lacsAnnually covered up to 3,750 per insured person
20, 50 lacs & 1 croreAnnually covered up to 5,000 per insured person
Not covered
Hospital Cash Rs.3,000 per day, maximum 30 days per policy year per insured person (minimum 48 hours of continuous hospitalisation required) Rs.6,000 per day, maximum 30 days per policy year per insured person (minimum 48 hours of continuous hospitalisation required) Not covered
Pre-existing diseases coverage Covered after 24 months of continuous coverage Covered after 24 months of continuous coverage Covered after a waiting period of 3 years
Restore benefit Not applicable Not applicable One Re-instatement upto 100% of base Sum Insured, subject to submit of 20% for related illness/injury
General waiting period 30 days 30 days Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one.
Renewal Benefit / Cumulative Bonus Increase of 10% of base sum insured each policy year, maximum up to 100% of base sum insured Increase of 10% of base sum insured each policy year, maximum up to 100% of base sum insured 33% (i.e 1/3rd) increase in Base Sum Insured for every claim free year, max up to 100%
Co-pay Options of 10% and 20% co-payment Options of 10% and 20% co-payment 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy.)
Portablity Yes (At the time of renewal) Yes (At the time of renewal) Yes (45 days before the renewal)
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Value Added Services Not covered Not covered Wellness : Fabulous discounts and deals on a variety of health and lifestyle products and services.
Insurance Renewal: For sum insured Rs.12 Lakhs & above, one time auto extension of policy in case of covered critical illness
Accidental Death Cover for No Claim Renewal: Rs.1 Lakh Personal Accident Death cover for insured
Policy Service Guarantee: Even after receiving all completed documents, if there is a delay of more than 10 working days from the company in issuing your policy (new policy). Then the company pays you onetime additional sum insured of Rs 10,000/- for sum insured Rs.3 lakh, 6 lakh, 9 lakhs and Rs 20,000/- for sum insured 12 lakh, 15 lakh, 18 lakh.
Claim Service Guarantee:
1. Cashless claims - On receipt of required information / documents, If the company is unable to respond within 6 business hours, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount
2. Reimbursement Claims - On receipt of required information / documents, If the company is unable to respond within 21 days, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount

Plan benefits

Max Bupa health insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online

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