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Religare vs Bajaj Allianz Health Insurace

Compare Religare vs Bajaj Allianz 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
maternity-health-policy buy-online bajaj-allianz-health-guard Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani
Maternity health insurance - JOY Religare health insurance - Care Health Guard Health Ensure Health Care Supreme Arogya Sanjeevani
Claims Settlement Ratio (Data as per NL25 published by the insurance company on their website)
93.44% 93.44% 94.55% 94.55% 94.55% 94.55%
Number of Lives Covered (Data as per IRDAI Report for 2018-19)
1,07,13,000 1,07,13,000 2,46,85,000 2,46,85,000 2,46,85,000 2,46,85,000
Network Hospitals
7,400+ 7,400+ 6,500 + 6,500 + 6,500 + 6,500 +
In-patient Treatment
Covers medical expenses during hospitalization period of more than 24 hours.(charges of room, nursing, doctor, ICU, operation theatre) Hospitalisation expenses such as room rent, nursing expenses, ICU charges, surgeon’s fees, doctor’s fees, anaesthesia, blood, oxygen, operation theater charges, etc. Covers hospitalisation expenses due to an disease/illness/injury per policy period Covers hospitalisation expenses due to an disease/illness/injury per policy period Covers hospitalisation expenses due to an disease/illness/injury per policy period Covers hospitalisation expenses due to an disease/illness/injury per policy period
Room Rent
Actual 1% of SI per day for 3, 4 Lacs Actual 1% of sum insured per day max.Rs.5,000/-day Actual 2% of sum insured, Max Upto Rs.5,000/- per day
ICU Charges
Not covered 2% of SI per day for only for 3 & 4 Lacs Actual 2% of sum insured per day max. Rs.10,000/-day Actual 5% of sum insured, Max Upto Rs.10,000/- per day
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days Up to 60 days Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
60 days after discharge from the hospital Up to 60 days Up to 90 days Up to 60 days Up to 90 days Up to 60 days
Day Care Procedures
Covered Covers more than 540 day Care treatments All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered
Domiciliary Treatment
Not covered Up to 10% of sum insured Not covered Not covered Not covered Not covered
Emergency Ambulance
Up to a limit of 1000 per claim 1,500 to 3000/hospitalization Up to Rs 20,000/- per policy year Upto Rs 1,000/- per hospitalisation Up to sum insured Upto Rs 2,000/- per hospitalisation
Dental Treatment
Not covered Not covered Not covered Not covered Covered out patient expenses procedures – Root Canal Treatment, Extractions. Not covered
Bariatric Surgery
Not covered Not covered 50% of Sum insured max upto Rs. 5 lakhs(waiting period 3years) Not covered Covered if medically indicated Not covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Covered Covered up to 20% of Sum Insured Covered Covered
Maternity Benefits
Available only up to 45 years of age Covers up to INR 1 Lakh with sum insured options of INR 50,60 & 75 Lakhs Covered ( waiting period - 6 years) Not covered upto Rs 25,000/- to Rs 1 lakh ( waiting period - 2 years) Not covered
New Born baby cover
Sum insured of 3 lakhs: Rs 35,000 maximum
Sum insured of 5 lakhs: Rs 50,000 maximum
Not covered 50% of Sum insured maximum up to Rs. 5 lakhs Not covered Covered if medically indicated Not covered
Organ Donor Expenses
Not covered Covers from Rs.50,000 to Rs.3,00,000 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 Covered Not covered Not covered Not covered Not covered
Health Check-up
Not covered Covered Every 3 yrs, 1% of sum insured, max Rs. 5000/-, irrespective of claim. Every 3 yrs, 1% of sum insured, max Rs.1500/-, irrespective of claim. Annual Not covered
Hospital daily allowance
Not covered 500/day up to 5 days Not covered Not covered Upto Rs.1,000/- per day Not covered
Co-pay
Sum Insured 5 lakhs & above (If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.) Sum Insured 5 lakhs & above (20% of the claim amount If you are 61 years old or more) 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.
20% based on Zonewise treatment Not Applicable Not Applicable
Pre-existing diseases coverage
Pre-existing diseases covered after 48 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 Restoration benefit available upto 100% of Base SI Not applicable Restoration benefit available upto 100% of Base SI Not applicable
General waiting period
30 days for any illness except accident
9 monthsfor maternity
2 years for specific treatements/illnesses
4 years for pre-existing diseases
30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Lifelong Renewability Lifelong Renewability 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 Rs.50,000/- to Rs. 5 lakhs Not covered
Available sum insured options
3 lac & 5 lac 2- 60 lacs Health Guard – Silver Plan: Rs.1.5 lakhs, 2 lakhs
Health Guard – Gold Plan: Rs.3 lakhs to 50 lakhs
Individual - Rs.50,000 to 10 lakhs
Floater - Rs.2 lakhs to 10 lakhs
5 lakhs to 50 lakhs 1 lakh to 5 lakhs
Policy can be purchased for
3 years 1 to 3 years 1 year / 2 years / 3 years 1 year / 2 years / 3 years 1 year 1 year
Eligibility criteria
Minimum:91 days
Maximum:No age bar
For adults-18 years For children- 1 day to 24 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
Daily Cash for Accompanying an Insured Child
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 5% for one condition ,max up to 25% 10% for one condition , max up to 50% No 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

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