Bajaj Allianz vs Godigit Health Insurace

Compare Bajaj Allianz vs Godigit 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
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Bajaj Allianz Godigit
Claims Settlement Ratio ** 94.55% 60
Number of Lives covered * 2,46,85,000 -
Network Hospitals 6,500 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Bajaj Health Guard Insurance Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani Godigit Godigit
Health Guard Health Ensure Health Care Supreme Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
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
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
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 maximum Rs.5,000 per day Actual 2% of sum insured, maximum up to 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
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 Covered Covered
Pre-hospitalization
Up to 60 days Up to 30 days Up to 60 days Up to 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Up to 90 days Up to 60 days Up to 90 days Up to 60 days
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day care Procedures
All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
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
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
Not Covered Not Covered Covered out patient expenses procedures – Root Canal Treatment, Extractions Dental treatment, necessitated due to disease or an injury
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
50% of Sum insured max upto Rs.5 lakhs(waiting period: 3years) Not Covered Covered if medically indicated Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Covered Covered up to 20% of sum Insured Covered Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
50% of Sum insured maximum up to Rs.5 lakhs Not Covered Covered if medically indicated Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Daily Cash for Accompanying an Insured Child
Up to Rs.500 per day maximum up to 10 days during each policy year Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to Rs.500,000 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
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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Not Covered Not Covered Up to Rs.1,000 per day Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
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
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 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
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
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
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
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%
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 Not Covered Rs.50,000 to Rs.5 Lakhs 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
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
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 year 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 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)
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 07/08/2025