New India Assurance vs Bharti AXA Health Insurance

Compare New India Assurance vs Bharti AXA Health Insurance Plans
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 
New India Assurance Bharti AXA
Claims Settlement Ratio ** 97.32% 98.27%
Number of Lives Covered * 8,75,61,000
Network Hospitals 3,000 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
New India Assurance New India Assurance New India Assurance New India Assurance Bharti AXA Bharti AXA
Mediclaim Premier Mediclaim Floater Mediclaim Arogya Sanjeevani Smart Health Assure Smart Super Health
In-patient Treatment
Covered Covered Covered Covered Covered up to sum insured Covered up to sum insured
Room Rent
Not exceeding 1% of the sum insured per day Covered Not exceeding 1% of the sum insured per day 2% of the sum insured subject to maximum of Rs.5,000 per day Covered Covered
ICU Charges
Not exceeding 2% of the Sum Insured per day Covered Not exceeding 2% of the Sum Insured per day Up to 5% of sum insured subject to maximum of Rs.10,000 per day Covered Covered
Pre-hospitalization
30 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 30 days before the date of admission to the hospital 60 days(Covered up to sum insured) 60 days(Covered up to sum insured)
Post-hospitalization
60 days after discharge from the hospital 90 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital 90 days(Covered up to sum insured) 90 days(Covered up to sum insured)
Day Care Procedures
139 Day Care procedures are covered Covered Covered Covered Up to sum insured as per list provided in policy document Up to sum insured as per list provided in policy document
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Covered up to sum insured Covered up to sum insured
Emergency Ambulance
1% of the Sum Insured Covered 1% of the Sum Insured Rs.2,000 per hospitalisation Rs.3,000 per event Rs.3,000 per event
Dental Treatment
Not Covered Not Covered Not Covered Dental treatment, necessitated due to disease or injury As per specified limit and plan opted Not Covered
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Up to 25% of sum insured Up to 20% of Sum Insured Up to 25% of sum insured Covered Covered up to sum insured Covered up to sum insured
Maternity Benefits
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Plan A: Up to Rs.50,000
Plan B: Up to Rs.100,000
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Not Covered Covered Covered
New Born baby cover
Covered Covered for any Illness or Injury Covered Not Covered Covered Covered
Organ Donor Expenses
Covered Covered hospitalisation expenses
(excluding cost of organ)
Covered hospitalisation expenses
(excluding cost of organ)
Not Covered Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered As per specified limit and plan opted
Health Check-up
Health check up for every 3 claim free years Health check up for every 3 claim free years Covered Not Covered Annual health check-up available Annual health check-up available
Hospital daily allowance
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured
Plan A: Rs.2,000 per day
Plan B: Rs.4,000 per day
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured Not Covered As per specified limit and plan opted As per specified limit and plan opted
Co-pay
Option of Co-pay up to 20% on certain mediclaim plans NIL Co-pay under this plan NIL Co-pay under this plan 5% Co-pay applicable on all claims NIL co-pay NIL co-pay
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after 3 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage
Restore Benefit
NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit Up to 100% of Base Sum Insured Up to 100% of Base Sum Insured
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
25% for every claim free year up to 50% of sum insured Not Covered 25% for every claim free year up to 50% of sum insured 5% for every claim free year up to 50% of sum insured Covered
For age below 45 years 50% of expiring policy sum insured not exceeding 100%
For age above 45 years 20% of expiring policy sum insured not exceeding 100%
Emergency Air Ambulance
Not Covered Up to Rs. 1,00,000 for any one illness Not Covered Not Covered Not Covered As per specified limit and plan opted
Available sum insured options
Rs.1 to 15 Lakhs Rs.15 Lakhs to 1 Crore Rs.2 to 15 Lakhs Rs.1 to 5 Lakhs Rs.3 & 4 Lakhs
Value: Rs.5 & 7.5 Lakhs
Classic: Rs.10 to 20 Lakhs
Uber: Rs.30 & 50 Lakhs above
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1 year 1/2/3 years 1/2/3 years
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) 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 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
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 No Loading No Loading No Loading Loading 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

Compare other health insurance plans

Compare Health Benefit Plans

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.. Continue reading

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement.. Continue reading

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..Continue reading

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

Indian Mediclaim Insurance Benefits

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison


Know more »

India health insurance Blogs

E India Insurance - Blog

Know more »

Insurance Articles

Health Insurance Articles


Know more »

Health insurance FAQ

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


Know more »

EIndia General 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
-

ONLINE CHAT

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025