Compare Bajaja Allianz vs Aditya Birla Health Insurance Plans
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| Health Guard | Health Infinity | Health Ensure | Health Care Supreme | Arogya Sanjeevani | Activ Assure Diamond | Activ Health Platinum |
| BUY NOW | BUY NOW | BUY NOW | BUY NOW | BUY NOW | BUY NOW | BUY NOW |
| In-patient Treatment | ||||||
| Covers hospitalisation expenses due to an disease/illness /injury | Covered | 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 | Covered | Covered |
| Room Rent | ||||||
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
Room rent expenses as provided by the Hospital/ Nursing Home maximum up to the per day room rent limit opted. | 1% of sum insured per day max.Rs.5,000 per day | Actual | 2% of sum insured, maximum up to Rs.5,000 per day | 1% of SI per day# - for SI 2 lakhs, 3 lakhs and 4 lakhs Single Private A/C Room - for SI 5 lakhs, 7 lakhs, 10 lakhs Single Private A/C Room - for SI 15 lakhs and above (Upgradable to next level, only if Single Private A/C Room is not available) |
Covered |
| ICU Charges | ||||||
| Actual | If admitted in ICU, the Company will pay up to ICU actual expenses provided by Hospital. | 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 | 2% of SI per day - for SI 2 lakhs, 3 lakhs and 4 lakhs Up to SI - for SI 5 lakhs and above |
Covered |
| Pre-hospitalization | ||||||
| Up to 60 days | Up to 60 days | Up to 30 days | Up to 60 days | Up to 30 days | 30 days | 60 days |
| Post-hospitalization | ||||||
| Up to 90 days | Up to 90 days | Up to 60 days | Up to 90 days | Up to 60 days | 60 days | 180 days |
| Day Care Procedures | ||||||
| All day care procedures are covered | The Company will pay the Insured medical expenses as listed | All day care procedures are covered | All day care procedures are covered | Covered | 586 listed procedures covered up to SI | Covered up to Sum Insured |
| Domiciliary Treatment | ||||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Up to 10% of SI | Covered up to Sum Insured |
| Emergency Ambulance | ||||||
| Up to Rs.20,000 per policy year | Up to Rs.5,000 per hospitalization | Up to Rs.1,000 per hospitalisation | Up to sum insured | Up to Rs.2,000 per hospitalisation | 1,500 - for SI 2 lakhs, 3 lakhs, 4 lakhs per event • 2,000 - for SI 5 lakhs - 10 lakhs 2,500 - for SI 15 lakhs - 40 lakhs 3,000 - for SI 50 lakhs - 75 lakhs 5,000 - for SI 1 Crore - 2 Crores |
Available |
| Dental Treatment | ||||||
| Not Covered | Not Covered | Not Covered | Covered out patient expenses procedures – Root Canal Treatment, Extractions | Dental treatment, necessitated due to disease or an injury | Not Covered | Available for Sum Insured 15 lakhs and above |
| Bariatric Surgery | ||||||
| 50% of Sum insured maximum up to Rs.5 lakhs(waiting period 3years) | Not Covered | Not Covered | Covered if medically indicated | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | ||||||
| Covered | Not Covered | Covered up to 20% of Sum Insured | Covered | Covered | 15,000 - for SI 2 lakhs, 3 lakhs, 4 lakhs 20,000 - for SI 5 lakhs - 10 lakhs 30,000 - for SI 15 lakhs - 40 lakhs 40,000 - for SI 50 lakhs - 75 lakhs 50,000 - for SI 1 Crore - 2 Crores |
Covered up to Sum Insured |
| 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 | Not Covered | Up to Rs.25,000 to Rs.1 lakh ( waiting period: 2 years) |
Not Covered | Not Covered | Not Covered |
| New Born baby cover | ||||||
| 50% of Sum insured maximum up to Rs.5 lakhs | Not Covered | Not Covered | Covered if medically indicated | Not Covered | Not Covered | Not Covered |
| Vaccination of the new born baby | ||||||
| Covered | Not Covered | Not Covered | Covered | Not Covered | Not Covered | Not Covered |
| Organ Donor Expenses | ||||||
| Covered up to sum insured | Not Covered | Covered up to sum insured | Available up to Rs.500,000 | Not Covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | ||||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Up to 10,000 (Applicable for SI of `1 crore and above) | Not Covered |
| Health Check-up | ||||||
| Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim | Every 3 years, up to maximum Rs.5,000 | Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim | Annual | Not Covered | Annual | Available, once in a policy year |
| Hospital daily allowance | ||||||
| Not Covered | Not Covered | Not Covered | Upto Rs.1,000 per day | Not Covered | Not Covered | Not Covered |
| Co-pay | ||||||
Co-pay options of NIL / 20% based on Zonewise treatment availed |
Co-pay co-payment of 15%, 20%, 25% applies on the declared amount exceeding 100 times the per day room rent |
Co-pay options of NIL / 20% based on Zonewise treatment availed | Co-pay options of NIL | 5% Co-pay applicable on all claims | No co-pay | For Sum Insured 3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25% For Sum Insured 4 lakhs and above - Not Applicable |
| Pre-existing diseases coverage | ||||||
| Covered after a waiting period of 3 years | 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 | Pre-existing disease waiting period: 48 months | |
| Restore Benefit | ||||||
| Restoration benefit available up to 100% of Base sum insured | NIL restoration benefit | NIL Restoration benefit | Restoration benefit available up to 100% of Base sum insured | NIL restoration benefit | Not covered | |
| General waiting period | ||||||
| 30 days | 30 days | 30 days | 30 days | 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) | Insured member is eligible for 5% discount at each renewal provided he / she submits the mentioned medical test reports & if all the reports are falling within normal range. | 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% | Not covered | |
| Emergency Air Ambulance | ||||||
| Not Covered | Not Covered | Not Covered | Rs.50,000 to Rs.5 lakhs | Not Covered | Available | Available |
| Available sum insured options | ||||||
Silver Plan: Rs.1.5 Lakhs, 2 Lakhs Gold Plan: Rs.3 to 50 Lakhs |
No Limit | Individual: Rs.50,000 to 10 Lakhs Floater: Rs.2 to 10 Lakhs |
Rs.5 to 50 Lakhs | Rs.1 to 5 Lakhs | Rs.2 to 2 Crores | 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 100 lakhs, 150 lakhs, 200 lakhs |
| Policy can be purchased for | ||||||
| 1/2/3 years | 1/2/3 years | 1/2/3 years | 1 year | 1 year | - | - |
| Eligibility criteria | ||||||
| Adults from 18 to 65 years (dependents 3 months to less than 30 years) | Minimum Entry age for proposer/ spouse/ dependent parents - 18 years. Maximum Entry Age for proposer/ spouse/ dependent parents - 65 years. Minimum Entry age for dependent Children - 3 months. Maximum Entry Age for dependent Children - 25 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) | Individual : Minimum entry age 5 yrs and there is no maximum age of entry Family Floater : We cover up to 6 members (2 Adults + 4 Children) comprising of Self, Spouse and Dependent children (up to 25 yrs) in a single policy - Dependent children from 91 days to 5 yrs will be covered only if one adult is covered in the floater policy - There is no maximum age of entry |
Family Floater Policy - 91 days – Dependent child - 18 years – Adult, Individual Policy - 5 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 | ||||||
| Up to Rs.500 per day maximum up to 10 days during each policy year | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Portablity (At the time of renewal) |
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| Yes | Yes | Yes | Yes | Yes | No | No |
| 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 | Income tax benefit under section 80D |
