Reliance vs Bajaj Allianz Health Insurance

Compare Reliance vs Bajaj Allianz 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 
Reliance Bajaj Allianz
Claims Settlement Ratio ** 80.61% 94.55%
Number of Lives Covered * 22,48,000 2,46,85,000
Network Hospitals 4,000 + 6,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
reliance reliance reliance reliance Bajaj Health Guard Insurance Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani
HealthGain Healthwise Health Infinity Arogya Sanjeevani Health Guard Health Ensure Health Care Supreme Arogya Sanjeevani
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 Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury
Room Rent
Actual No sub-limit No sub-limit Up to 2% of the sum insured subject to maximum of Rs.5000 per day.
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
1% of sum insured per day max.Rs.5,000 per day Actual 2% of sum insured, maximum up to Rs.5,000 per day
ICU Charges
Not Covered Not Covered Covered Expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day. Actual 2% of sum insured per day maximum Rs.10,000 per day Actual 5% of sum insured, maximum up to Rs.10,000 per day
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 30 days Up to 60 days Up to 30 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 60 days Up to 90 days Up to 60 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. All day care procedures are covered All day care procedures are covered All day care procedures are covered 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 Not Covered Not Covered Not Covered Not Covered
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.20,000 per policy year Up to Rs.1,000 per hospitalisation Up to sum insured Up to Rs.2,000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered Covered Not Covered Not Covered Covered out patient expenses procedures – Root Canal Treatment, Extractions Dental treatment, necessitated due to disease or an injury
Bariatric Surgery
Not covered Not covered Not covered Not covered
50% of Sum insured maximum up to Rs.5 lakhs
(waiting period 3years)
Not Covered Covered if medically indicated Not Covered
Ayush Benefit
Not covered Not covered ​Covered, No Sub limits Covered, No Sub limits Covered Covered up to 20% of Sum Insured Covered Covered
Maternity Benefits
Not covered Not covered Not covered Not covered
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
Not Covered
Up to Rs.25,000 to Rs.1 lakh
( waiting period: 2 years)
Not Covered
New Born baby cover
Not covered Not covered Not covered Not covered 50% of Sum insured maximum up to Rs.5 lakhs Not Covered Covered if medically indicated Not Covered
Organ Donor Expenses
​50% of Sum Insured up to maximum Rs.5 Lac available only under Gold and Silver plans NO-SUBLIMIT Not covered Covered up to sum insured Covered up to sum insured Available up to Rs.500,000 Not Covered
Vaccination (In case of post bite treatment)
Not covered Not covered 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 Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim Annual Not Covered
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 Not Covered Not Covered Up to Rs.1,000 per day Not Covered
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
Co-pay options of NIL / 20% based on Zonewise treatment availed
Co-pay options of NIL / 20% based on Zonewise treatment availed Co-pay options of NIL 5% Co-pay applicable on all claims
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 2 years Covered after a waiting period of 2 years Covered after a waiting period of 4 years
Restore Benefit
Not applicable Not applicable Equal to 100% of Sum Insured Not applicable Restoration benefit available up to 100% of Base sum insured NIL restoration benefit Restoration benefit available up to 100% of Base sum insured NIL restoration benefit
General waiting period
30 days 30 days 30 days 48 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
33.33% increase in Base Sum Insured for every claim free year; maximum up to 100%. 33.33% decrease in Base Sum Insured for every claim year; maximum 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 Sum Insured. 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) 5% on base sum insured for every claim free year and up to 25% 10% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Emergency Air Ambulance
Not covered Not covered Not covered Not covered Not Covered Not Covered Rs.50,000 to Rs.5 lakhs Not Covered
Available sum insured options
Plan A: 3 lac, 6 lac & 9 lakhs
Plan B: 12 lac,15 lac & 18 lakhs
5 lakhs 3 lakhs to 1 CRORE 1 lac, 1.5 lacs, 2 Lacs, 2.5 lacs, 3 lacs, 3.5 lacs, 4 lacs, 4.5 lacs and 5 Lacs.
Silver Plan: Rs.1.5 Lakhs, 2 Lakhs;
Gold Plan: Rs.3 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs;
Floater: Rs.2 to 10 Lakhs
Rs.5 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1 years 1 years 1 year, 2 years & 3 Years​ 1 year 1/2/3 years 1/2/3 years 1 year 1 year
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 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 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 Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered Up to Rs.500 per day maximum up to 10 days during each policy year Not covered Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading No Loading Loading Loading No Loading
Portablity
(At the time of renewal)
Yes Yes 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 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 »

India Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Icici Prudential
  • Ageon
  • Edelweiss
  • Max Lifw
  • TATA AIA Logo
  • kotak health Insurance Plans
  • go digit
  • bharti axa health Insurance Plans
  • Oriental Logo
  • New India Logo
  • Hdfc
  • Raheja QBE health Insurance Plans
-

ONLINE CHAT

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022