Compare Bajaj Allianz vs Bharti AXA Health Insurance Plans
| Bajaj Allianz | Bharti AXA | |
|---|---|---|
| Claims Settlement Ratio** | 94.55% | 98.27% |
| Number of Lives Covered* | 2,46,85,000 | |
| Network Hospitals | 6,500 + | 4,500 + |
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| Health Guard | Health Infinity | Health Ensure | Health Care Supreme | Arogya Sanjeevani | Smart Health Assure | Smart Super Health |
| 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 up to sum insured | Covered up to sum insured |
| 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 maximum Rs.5,000 per day | Actual | 2% of sum insured, maximum up to Rs.5,000 per day | Covered | 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 | Covered | Covered |
| Pre-hospitalization | ||||||
| Up to 60 days | Up to 60 days | Up to 30 days | Up to 60 days | Up to 30 days | 60 days(Covered up to sum insured) | 60 days(Covered up to sum insured) |
| Post-hospitalization | ||||||
| Up to 90 days | Up to 90 days | Up to 60 days | Up to 90 days | Up to 60 days | 90 days(Covered up to sum insured) | 90 days(Covered up to sum insured) |
| 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 | Up to sum insured as per list provided in policy document | Up to sum insured as per list provided in policy document |
| Domiciliary Treatment | ||||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Covered up to sum insured | 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 | Rs.3,000 per event | Rs.3,000 per event |
| 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 | As per specified limit and plan opted | Not Covered |
| Bariatric Surgery | ||||||
| 50% of Sum insured max upto 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 | Covered up to sum insured | 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 | Covered | 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 | Covered | Covered |
| 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 |
| Organ Donor Expenses | ||||||
| Covered up to sum insured | Not Covered | Covered up to sum insured | Covered 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 | Not Covered | As per specified limit and plan opted |
| Health Check-up | ||||||
| Every 3 yrs, 1% of sum insured, max Rs.5,000, irrespective of claim | Every 3 years, up to maximum Rs.5,000 | Every 3 yrs, 1% of sum insured, max Rs.1,500, irrespective of claim | Annual | Not Covered | Annual health check-up available | Annual health check-up available |
| Hospital daily allowance | ||||||
| Not Covered | Not Covered | Not Covered | Up to Rs.1,000 per day | Not Covered | As per specified limit and plan opted | As per specified limit and plan opted |
| 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 | NIL co-pay | NIL co-pay |
| 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 | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage |
| 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 | Up to 100% of Base Sum Insured | Up to 100% of Base Sum Insured |
| General waiting period | ||||||
| 30 days | 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% | Covered | For age below 45 years 50% of expiring policy sum insured not exceeding 100% For age above 45 years 20% of expiring policy sum insured not exceeding 100% |
| Emergency Air Ambulance | ||||||
| Not Covered | Not Covered | Not Covered | Rs.50,000 to Rs.5 Lakhs | Not Covered | Not Covered | As per specified limit and plan opted |
| 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.3 & 4 Lakhs | Value: Rs.5 & 7.5 Lakhs Classic: Rs.10 to 20 Lakhs Uber: Rs.30 & 50 Lakhs above |
| Policy can be purchased for | ||||||
| 1/2/3 years | 1/2/3 years | 1/2/3 years | 1 year | 1 year | 1/2/3 years | 1/2/3 years |
| 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) | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
| 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 | Renewal for whole life |
| Claims loading | ||||||
| No Loading | No Loading | Loading | Loading | No Loading | Loading | Loading |
| Portablity(At the time of renewal) | ||||||
| Yes | 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 | Income tax benefit under section 80D |
