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Reliance vs Bajaj Allianz Health Insurance


Plan benefits

Reliance Healthgain insurance

 Hospitals    Buy online

Bajaj Allianz Health Guard insurance

 Hospitals    Buy online
Policy can be purchased for 1 year (if purchased for single women or girl child, a discount of 5% is applicable) 1 year / 2 years / 3 years (if purchased for 2 years, a discount of 4% is applicable; if purchased for 3 years, a discount of 8% is applicable)
Family discount of 10% up to 2 members, 15% for 3 members
Eligibility criteria Adults from 18 to 65 years (dependents 91 days & up to 4 years can be covered under floater plan) Adults from 18 to 65 years (dependents 3 months to less than 30 years)
Available sum insured options Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs Health Guard – Silver Plan: Rs.1.5 lakhs, 2 lakhs
Health Guard – Gold Plan: Rs.3 lakhs to 50 lakhs
Renewability Renewal for whole life Renewal for whole life (for dependent children / Grand Children- Renewal up to 35 years)
In-patient Treatment Covered Covers hospitalisation expenses due to an illness or accident per policy period
Pre-hospitalization Up to 60 days Up to 60 days
Post-hospitalization Up to 60 days Up to 90 days
Day Care Procedures 172 day care procedures are covered All day care procedures are covered
Domiciliary Treatment Up to 10% of base sum insured, maximum Rs.50,000/- Not covered
Organ Donor Expenses Up to 50% of the base sum insured, maximum Rs.5 lakh Covered up to sum insured
Emergency Ambulance Up to Rs.1,500/- for Rs.3 lakh, 6 lakh, 9 lakh sum insured
Up to Rs.3,000/- for Rs.12 lakh, 15 lakh and 18 lakh sum insured(road ambulance)
Up to Rs 20,000/- per policy year
Dental Treatment Not covered Not covered
Ayush Benefit Not covered Not covered
Maternity Benefits Not covered Normal Delivery: Rs.15,000 & Caesarean Section: Rs.25,000 for sum insured Rs.1.5 lakh & 2 lakh
Normal Delivery: Rs.25,000 & Caesarean Section: Rs.35,000 for sum insured Rs.3 lakhs to 50 lakhs
New Born baby cover Not covered Covered
Daily Cash for Accompanying an Insured Child Not covered Up to Rs.500 per day maximum up to 10 days during each policy year
Vaccination (In case of post bite treatment) Not covered Not covered
Health Check-up Not covered Up to 1% of average sum insured after every block of 3 claim free years, maximum of Rs.2,000/- for sum insured Rs.1.5 lacks & 2 lacks and Rs.5,000 for sum insured Rs.3 lacks to 50 lacks (each member in Individual policy and proposer & spouse only under Floater policy)
Hospital daily allowance Not covered Not covered
Pre-existing diseases coverage Covered after a waiting period of 3 years Covered after a waiting period of 3 years
Restore benefit One Re-instatement upto 100% of base sum insured, subject to submit of 20% for related illness/injury Not applicable
General waiting period Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one. 30 days
Renewal Benefit / Cumulative Bonus 33% (i.e 1/3rd) increase in base sum insured for every claim free year, max up to 100% 10% of base sum insured per annum up to 10 years (if withoutany break no claim in the preceding year)
Co-pay 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy.) 20% Co-payment applicable for any insured person aged 56 years and above, being covered for the first time in the Health Guard policy.
10% co-payment of the admissible claim to be paid by the member if treatment is taken in a non network hospital. Waiver of the co-payment clause is available on payment of additional premium.
Portablity Yes, 45 days before its renewal date Yes (At the time of renewal)
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D
Value Added Services 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
Not applicable

Plan benefits

Reliance Healthgain insurance

 Hospitals    Buy online

Bajaj Allianz Health Guard insurance

 Hospitals    Buy online

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