Reliance vs HDFC ERGO Health Insurance

Reliance vs HDFC ERGO 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
* Name, Email Id & Mobile No. are required 
Reliance HDFC ERGO Health
Claims Settlement Ratio ** 80.61% 89.50%
Number of Lives Covered * 22,48,000 51,16,000
Network Hospitals 4,000 + 10,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
tata aig medicare tata aig medicare tata aig medicare premier tata aig medicare premier HDFC ERGO Health Premium HDFC ERGO Health Optima Restore
HealthGain Healthwise Health Infinity Arogya Sanjeevani Easy Health Optima Restore
In-patient Treatment
covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours. Covers hospitalisation expenses due to an disease/illness/injury per policy period ​ ​Covered, No Sub limits Covers hospitalisation expenses Covered Covered up to sum insured
Room Rent
Actual No sub-limit No sub-limit Up to 2% of the sum insured subject to maximum of Rs.5000 per day. Covered Covered
ICU Charges
Not covered Not covered Covered expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day. Covered Covered
Pre-hospitalization
Up to 60 days Standard Plan 30 days
Silver & Gold Plan 60 days
90 days before the date of admission to the hospital Covers medical expenses incurred 30 days prior to the date of hospitalisation. Up to 60 days Up to 60 days
Post-hospitalization
Up to 60 days Standard Plan 60 days
Silver & Gold Plan 90 days
180 days after discharge from the hospital Covers medical expenses incurred up to 60 days from the date of discharge. Up to 90 days Up to 180 days
Day Care Procedures
All day care procedures are covered All day care procedures are covered All day care procedures are covered Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure. Covered All day care procedures are covered
Domiciliary Treatment
Up to 10% of base sum insured,subject to maximum of Rs.50000 Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation Covered up to sum insured Not covered Covered Covered up to sum insured
Emergency Ambulance
Up to Rs.1,500 to Rs.3000 per hospitalisation Standard Plan 500 per hospitalisation
Silver Plan 750 per hospitalisation
Gold Plan 1000 per hospitalisation
Covered, No Sub-limits Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation Up to Rs.2,000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered Covered
Individual - Standard & Exclusive: Not covered
Platinum (4 lakhs to 10 lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.7,500
Family - Standard & Exclusive: Not covered
Platinum (4 to 10 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1 % of Sum insured subject to a maximum of Rs.10,000
(waiting period : 3 years)
Not covered
Bariatric Surgery
Not covered Not covered Not covered Not covered Not covered Not covered
Ayush Benefit
Not covered Not covered ​Covered, No Sub limits Covered, No Sub limits
Standard: Up to Rs.20,000
Exclusive & Platinum (3 to 10 Lakhs): Up to Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.50,000
Not covered
Maternity Benefits
Not covered Not covered Not covered Not covered
Standard: Not covered
Exclusive & Platinum (3 to 10 Lakhs): Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Normal Delivery Rs.30,000, Caesarean Delivery Rs.50,000
(Waiting Period: 4 Years)
Not covered
New Born baby cover
Not covered Not covered Not covered Not covered
Standard: Not covered
Exclusive & Platinum: Additional Benefit on payment of additional premium
Not covered
Organ Donor Expenses
​50% of SI up to max Rs.5 lakh available only under Gold and Silver plans NO-SUBLIMIT Not covered Covered Covered up to sum insured
Vaccination (In case of post bite treatment)
Not covered Not covered Not covered Not covered Not covered Not covered
Health Check-up
Not covered Standard Plan: No
Silver Plan 7: Rs.250 per day for a maximum period of 5 days
Gold Plan: Rs.300 per day for a maximum period of 5 days
10% discount on health check-up Not covered
Standard: Every 4 years, 1% of sum insured, up to Rs.5,000, irrespective of claim
Exclusive: Every 3 years, 1% of sum insured, up to Rs. 5,000, irrespective of claim
Platinum: Every 2 years, 1% of sum insured, up to Rs.5,000, irrespective of claim
Individual - 3 Lakhs: Not covered
5 Lakhs: Up to Rs.1,500
10 Lakhs: Up to Rs.2,000
15 Lakhs: Up to Rs.4,000
20 to 50 Lakhs: Up to Rs.5,000
Family - 3 Lakhs: Not covered
5 Lakhs: Up to Rs.2,500
10 Lakhs: Up to Rs.5,000
15 Lakhs: Up to Rs.8,000
20 to 50 Lakhs : Up to Rs.10,000
Hospital daily allowance
Not covered Standard Plan: No
Silver Plan: No
Gold Plan:Rs.250 per day up to 7 days
Not covered Not covered
Standard: Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (3 to 5 Lakhs): Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.800 per day, maximum Rs.4,800
Exclusive & Platinum (15 to 50 Lakhs): Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
3 to 15 Lakhs: Rs.800 per day, maximum Rs.4,800
20 to 50 Lakhs: Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
Co-pay
NIL for insureds lesserthan 61 years/ 20% co-pay for ages graterthan 61 years Not covered 10%, if opted 5% for all claims NIL Co-pay under this plan NIL Co-pay under this plan
Pre-existing diseases coverage
Pre-existing diseases covered after 36 months of continuous coverage. Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan.. Pre-existing diseases covered after 36 months of continuous coverage. Pre-existing diseases covered after 48 months of continuous coverage. Covered after a waiting period of 3 years Covered after a waiting period of 3 years
Restore Benefit
Not applicable Not applicable Equal to 100% of Sum Insured Not applicable NIL Restoration Benefit under this plan Equal to 100% of Basic Sum Insured
General waiting period
30 days 30 days 30 days 48 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
33.33% increase in Base SI for every claim free year; Max up to 100%. 33.33% decrease in Base SI for every claim year; Max up to Cumulative Bonus earned. Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date. 10% discount on renewal premium Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. 10% on base sum insured for every claim free year and up to 100%. 50% for every claim free year up to 100% of basic sum insured
Emergency Air Ambulance
Not covered Not covered Not covered Not covered
Standard: Not covered
Exclusive & Platinum (3 to 10 lakhs): Not covered
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.2.5 lakhs per hopsitalisation
3 to 5 Lakhs: Not covered
10 to 50 Lakhs: Covered up to Rs.2.5 lakhs per hospitalization and maximum up to sum insured in an year
Available sum insured options
Plan A: 3 lakh, 6 lakh & 9 lakhs
Plan B: 12 lakh,15 lakh & 18 lakhs
5 lakhs 3 lakhs to 1 CRORE 1 lakh, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs and 5 lakhs.
Individual - Standard Plan: Rs.1 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Family - Standard Plan: Rs.2 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 Lakhs
Policy can be purchased for
1 years 1 years 1 year, 2 years & 3 Years​ 1 year 1 year / 2 years 1 year / 2 years
Eligibility criteria
65 years. No entry age bar for an insured sum of 3 lakh covered under the policy Maximum age to enter the plan is 65 years covered under the policy Child: 91 days to 25 years
Adult: 18 years to 65 years covered under the policy
Child: 91 days to 25 years
Adult: 18 years to 65 years
Adults from 18 to 65 years (dependents 91 days to 5 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 Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered
Standard : Not covered;
Exclusive & Platinum (3 to 5 Lakhs): Rs.300 per day, maximum Rs.9,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.500 per day, maximum Rs.15,000
Exclusive & Platinum (15 to 50 Lakhs): Rs.800 per day, maximum Rs.24,000
Not covered
Claims loading
No Loading No Loading No Loading No Loading Applicable Applicable
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025