Raheja QBE vs Kotak General Health Insurace

Compare Raheja QBE vs Kotak General 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
Raheja QBE Kotak General
Claims Settlement Ratio ** 100% 77.71%
Number of Lives Covered * 135 4,39,000
Network Hospitals 5,000 + 3,900 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Raheja QBE Raheja QBE Kotak General Care Kotak General Premier Kotak General Arogya Sanjeevani
Health QuBE Arogya Sanjeevani Health Care Health Premier Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Up to base sum insured Covered
Room Rent
Basic: 1% of sum insured
Comprehensive: No Limit
Super Saver: 1% of sum insured
Up to 2% of the sum insured subject to maximum of Rs.5,000 per day No Cap on room rent for this plan Capped at 1% for sum insured less than equal to 4 lakhs No cap on room rent for this plan Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Basic: 2% of sum insured
Comprehensive: No Limit
SuperSaver: 2% of sum insured
Up to 5% of the sum insured subject to maximum of Rs.10,000 per day Covered Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
Basic:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
Comprehensive:
3 to 50 Lakhs: 60 days
SuperSaver:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
30 days before the date of admission to the hospital Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
Basic:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
Comprehensive:
3 to 50 Lakhs: 90 days
SuperSaver:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
60 days after discharge from the hospital Up to 60 days Up to 90 days Up to 60 days
Day Care Procedures
Covered All the day care treatments 150 day care procedures are covered 405 day care procedures are covered All day care procedures are covered
Domiciliary Treatment
Basic:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Comprehensive:
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
SuperSaver:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Not Covered Not Covered Up to base sum insured Not Covered
Emergency Ambulance
Basic:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Comprehensive:
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
SuperSaver:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisatio
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Covered up to Rs.2,000 per hospitalisation Up to Rs.1,500 Covers up to Rs.20,000 per year Covered
Dental Treatment
Dental Treatment, dentures or surgery of any kind unless necessitated due to an accident Dental treatment, necessitated due to disease or injury Not Covered Covered(covered from reward points)
(1 Reward point = 0.25Rupees)
Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Not Covered Covered Not Covered Up to base sum insured Covered
Maternity Benefits
Not Covered
Not Covered
Not Covered
Advantage: Not Covered
Edge: Up to Rs.25,000 for normal and Rs.35,000 for Cesarean(optional)
Elite: Up to Rs.50,000 for normal and Cesarean(optional)
(Waiting period: 36 months)
Not Covered
New Born baby cover
Not Covered Not Covered Not Covered
Advantage: Not Covered
Edge & Elite: Within Maternity Benefit Sum Insured(optional)
(Waiting period: 3years)
Not Covered
Organ Donor Expenses
Basic:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Comprehensive:
3 to 50 Lakhs: 20% of sum insured
SuperSaver:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Not Covered
Up to Base Annual Sum Insured
(Optional)
Up to base sum insured Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Avilable only once a year Not Covered For each insured person above 18 years of age, each policy year for specified tests For each insured person above 18 years of age, each policy year for specified tests Covered 56 years and above
Hospital daily allowance
Basic:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Comprehensive:
3 to 50 Lakhs: Not Covered
SuperSaver:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Not Covered
Rs.500 per day for minimum of Extensions 3 days subject to maximum of 10 days
(Optional)
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.3,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Co-pay
20% co-pay above 60 years 5% co-pay on all claims NIL co-pay for all treatment NIL co-pay for all treatment 5% Co-pay applicable on all claims
Pre-existing diseases 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
Advantage: Covered after a waiting period of 4 years
Edge: Covered after a waiting period of 4 years
Elite: Covered after a waiting period of 3 years
Covered after a waiting period of 4 years
Restore Benefit
Up to 100% of Base Sum insured paid for all illness Not Covered Up to 100% of base sum insured paid for unrelated illness/accidents Up to 100% of base sum insured for unrelated illness/accidents Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Covered 5% every year, maximum up to 50% of Sum Insured 10% for every claim free year up to 50% of sum insured
Advantage: 10% for every claim free year up to 50% of sum insured
Edge: 10% for every claim free year up to 100% of sum insured
Elite: 10% for every claim free year up to 100% of sum insured
5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered Not Covered Not Covered
Advantage: Not Covered
Edge: Not Covered
Elite: Up to 10% of base sum insured and subject to a maximum of 5lakhs
(optional)
Not Covered
Available sum insured options
Basic: Rs.1 to 50 Lakhs
Comprehensive: Rs.3 to 50 Lakhs
SuperSaver: Rs.1 to 50 Lakhs
Rs.1 to 5 Lakhs
Individual:
Excel: Rs.2 to 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Floater:
Excel: Rs.3 & 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Advantage: Rs.3 to 10 Lakhs
Edge: Rs.5 to 20 Lakhs
Elite: Rs.10 to 25 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1 year 1/2/3 years 1/2/3 years 1 year
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) 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 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 5 years)
Renewability
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
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.1,500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Claims loading
Loading No Loading Loading Loading Loading
Portablity (At the time of renewal)
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022