Compare Care(formerly Religare) vs Oriental Health Insurance Plans
| Care(formerly Religare) | Oriental | |
|---|---|---|
| Claims Settlement Ratio ** | 95.2 % | 99.48 % |
| Number of Lives Covered * | 1,07,13,000 | 3,03,25,000 |
| Network Hospitals | 16,500 + | 4,300 + |
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| Maternity health insurance - JOY | Care(formerly Religare) health insurance - Care | Individual Mediclaim | Happy Floater | Arogya Sanjeevani |
| In-patient Treatment | ||||
| Covered | Covered | Covered | Covered | Covered |
| Room Rent | ||||
| Single private room with AC | 3 & 4 Lakhs: 1% of sum insured per day 5 to 10 Lakhs: Single private room 15 to 75 Lakhs: Single private room,upgradable to next level |
Not exceeding 1% of the sum insured per day | Silver & Gold: 1% of the sum insured per day Diamond: Rs.10,000 and 0.5% of the sum insured above Rs.10 lakhs per day |
2% of the sum insured subject to maximum of Rs.5,000 per day |
| ICU Charges | ||||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
Not exceeding 2% of the Sum Insured per day | Silver & Gold: 2% of the sum insured per day Diamond: Rs.20,000 and 1% of the sum insured above Rs.10 lakhs per day |
Up to 5% of sum insured subject to maximum of Rs.10,000 per day |
| Pre-hospitalization | ||||
| 30 days before the date of admission to the hospital | Up to 30 days | 30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital |
| Post-hospitalization | ||||
| 60 days after discharge from the hospital | Up to 60 days | 60 days after discharge from the hospital | 60 days after discharge from the hospital | 60 days after discharge from the hospital |
| Day Care Procedures | ||||
| Covered | Covers more than 540 day Care treatments | Covered | Covered | Covered |
| Domiciliary Treatment | ||||
| Not Covered | Up to 10% of sum insured | Covered up to sum insured | Covered up to sum insured | Not Covered |
| Emergency Ambulance | ||||
| Up to a limit of Rs.1,000 per claim | 3 & 4 Lakhs: Rs.1,500 per hospitalisation 5 to 10 Lakhs: Rs.2,000 per hospitalisation 15 to 40 Lakhs: Rs.2,500 per hospitalisation 50 to 75 Lakhs: Rs.3,000 per hospitalisation |
Rs.2,000 or 1% of the sum insured not exceeding Rs.4,000 | Silver: Rs.1,000 per illness and 1% of the sum insured subject to maximum Rs.3,000 per policy period Gold: Rs.2,000 per illness and Rs.6,000 per policy period Diamond: Rs.3,000 per illness and Rs.8,000 per policy period |
Rs.2,000 per hospitalisation |
| Dental Treatment | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | Dental treatment, necessitated due to disease or injury |
| Bariatric Surgery | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | ||||
| Not Covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | Covered | Covered | Covered |
| Maternity Benefits | ||||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period: 9 months) |
3 to 40 Lakhs: Not Covered 50 to 75 Lakhs: Covered (Waiting period: 24 months) |
Not Covered | Silver & Gold: Not Covered Diamond: COvered up to 2.5% of the sum insured |
Not Covered |
| New Born baby cover | ||||
3 Lakhs: Up to Rs.30,000 5 Lakhs: Up to Rs.50,000 |
Not Covered | Not Covered | Silver & Gold: Not Covered Diamond: Covered up to 2.5% of the sum insured up to 90 days from the date of birth |
Not Covered |
| Organ Donor Expenses | ||||
| Not Covered | 3 & 4 Lakhs: Up to Rs.50,000 5 to 10 Lakhs: Up to Rs.100,000 15 to 40 Lakhs: Up to Rs.200,000 50 to 75 Lakhs: Up to Rs.300,000 |
Covered | Lumpsum payment of 10% of the sum insured. | Not Covered |
| Vaccination (In case of post bite treatment) | ||||
| Not Covered | Covered | Not Covered | Not Covered | Not Covered |
| Health Check-up | ||||
| Not Covered | Covered | Not Covered | Not Covered | Not Covered |
| Hospital daily allowance | ||||
| Not Covered | Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days | 0.1% of the sum insured per day subject to maximum of 6 days per insured person | Silver: Not Covered Gold: 0.1% of Sum Insured (Rs.600 to RS.1,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured Diamond: 0.1% of Sum Insured (Rs.1,200 to RS.2,000) per day of Hospitalisation,subject to a maximum compensation for 10 days per Illness. Overall liability of the Company during the Policy Period will be limited to 1.5% of the Sum Insured |
Not Covered |
| Co-pay | ||||
| 20% co-pay above 60 years | 20% co-pay above 60 years | Option of Voluntary Co-pay of 10% or 20% with premium reduction | Mandatory Co-pay of 10% up to 70years / Additional 20% above 70 years | 5% Co pay applicable on all claims |
| Pre-existing diseases coverage | ||||
| Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage |
| Restore Benefit | ||||
| Not Covered | Recharge up to 100% of Base Sum Insured per year |
NIL Restoration benefit | NIL Restoration benefit | NIL Restoration benefit |
| General waiting period | ||||
| 30 days | 30 days | 30 days | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | ||||
Covered(Optional) |
10% for every claim free year up to 50% of sum insured | Not Covered | Not Covered | 5% for every claim free year up to 50% of sum insured |
| Emergency Air Ambulance | ||||
| Not Covered | Covered(Optional) |
Not Covered | Not Covered | Not Covered |
| Available sum insured options | ||||
| 3 & 5 Lakhs | 3 to 75 Lakhs | 1 to 10 Lakhs | Silver: 2 to 5 Lakhs Gold: 6 to 10 Lakhs Diamond: 12 to 20 Lakhs |
1 to 5 Lakhs |
| Policy can be purchased for | ||||
| 1/2/3 years | 1/2/3 years | 1/2/3 years | 1/2/3 years | 1 year |
| Eligibility criteria | ||||
| 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 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 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 | Not Covered | Not Covered |
| Claims loading | ||||
| No Loading | Loading | Loading | Loading | No 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 |
