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Religare vs Reliance health insurance


Plan benefits

Religare Care Health Insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online
Policy can be purchased for 1 year / 2 years / 3 years (if purchased for 2 years, a discount of 7.5% is applicable; if purchased for 3 years, a discount of 10% is applicable) 1 year (if purchased for single women or girl child, a discount of 5% is applicable)
Eligibility criteria Adults from 18 years and above (dependents 91 days to less than 18 years) Adults from 18 to 65 years (dependents 91 days & up to 4 years can be covered under floater plan)
Available sum insured options Rs.3 lakhs, 4 lakhs, 5 lakhs, 7 lakhs, 10 lakhs, 15 lakhs, 20lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 60 lakhs and 75 lakhs Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs
Renewability Renewal for whole life Renewal for whole life
In-patient Treatment Covers hospitalisation expenses for room charges, nursing expenses and intensive care unit charges Covered
Pre-hospitalization Up to 30 days Up to 60 days
Post-hospitalization Up to 60 days Up to 60 days
Day Care Procedures Covers more than 500 day care procedures 172 day care procedures are covered
Domiciliary Treatment Covered up to 10% of Sum Insured Up to 10% of base sum insured, maximum Rs.50,000/-
Organ Donor Expenses Covered up to Rs.50,000, Rs.1,00,000, Rs.2,00,000, Rs.3,00,000 depending on Sum Insured Up to 50% of the base sum insured, maximum Rs.5 lakh
Emergency Ambulance Sum insured 3 & 4 lakhs - Up to Rs.1,500
Sum insured 5, 7 & 10 lakhs - Up to Rs.2,000
Sum insured 15, 20, 25, 30 & 40 lakhs - Up to Rs. 2,500
Sum insured 50, 60 & 75 lakhs - Up to Rs. 3,000 (per hospitalization)
Up to Rs.1,500/- for 3 lakh, 6 lakh, 9 lakh
Up to Rs.3,000/- for 12 lakh, 15 lakh and 18 lakh (road ambulance)
Dental Treatment Not covered Not covered
Ayush Benefit Not covered Not covered
Maternity Benefits Covered up to Rs.1 lakh for only sum insured Rs.50, 60 & 75 lakhs Not covered
New Born baby cover Not covered Not covered
Daily Cash for Accompanying an Insured Child Not covered Not covered
Vaccination (In case of post bite treatment) Not covered Not covered
Health Check-up Every year free health check up for all insured members including childern Not covered
Hospital daily allowance Rs.500 per day up to 5 days for sum insured Rs.3 & 4 Lakhs Not covered
Pre-existing diseases coverage Covered after a continuous waiting period of 4 years Covered after a waiting period of 3 years
Restore Benefit Yes, up to sum insured One Re-instatement upto 100% of base Sum Insured, subject to submit of 20% for related illness/injury
General waiting period 30 days Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one.
Renewal Benefit / Cumulative Bonus No claim bonus up to 150% of sum insured 33% (i.e 1/3rd) increase in Base Sum Insured for every claim free year, max up to 100%
Co-pay If age is 61 years and above, 20% co-payment 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy)
Automatic Recharge of Sum Insured Available up to sum insured Not applicable
Portablity Yes (45 days before the renewal) Yes (45 days before the renewal)
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D
Value Added Services Not applicable 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

Plan benefits

Religare Care Health Insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022