SBI General vs Godigit Health Insurance

Compare SBI General vs Godigit 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
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SBI General Godigit
Claims Settlement Ratio ** 62.73% 60
Number of Lives Covered * 27,48,000 --
Network Hospitals 6,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
SBI General SBI General SBI General SBI General Godigit Godigit
Retail Health Arogya Premier Arogya Plus Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered Covered Covered Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
1% of sum insured per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
2% of sum insured per day Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day Covered Covered
Pre-hospitalization
Up to 30 days Up to 60 days Up to 60 days 30 days before the date of admission to the hospital
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Up to 60 days Up to 90 days Up to 90 days 60 days after discharge from the hospital
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Covered Covered Covered Dental treatment necessitated due to disease or injury
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered Covered Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Covered Covered Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Daily Cash for Accompanying an Insured Child
Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Co-pay
No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co pay applicable on all claims
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days 30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not Covered Up to Rs.100,000 Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Rs.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 Lakhs Rs.1 to 5 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1 year
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 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
Claims loading
No Loading Loading Loading No Loading No Loading 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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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022