Bajaj Allianz vs HDFC Ergo Health Insurace

Compare Bajaj Allianz vs HDFC Ergo

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
bajaj-allianz Health Gurad bajaj-allianz Health Ensure bajaj-allianz Health Care Supreme bajaj-allianz Arogya Sanjeevani Hdfc ergo Hdfc ergo Hdfc ergo
Health Guard
Gold
Platinum
Silver
Health Ensure
Health Care Supreme
Ultimo
Vital
Smart
Arogya Sanjeevani
Health Suraksha
Gold Smart
Platinum Smart
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 Covered 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
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
Single occupancy AC room is allowed for all Sum Insured except for Rs. 1 Lakh / 2Lakhs. For Rs. 1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively.
NIL Room Rent restrictions Covered
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 At Actuals Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
Up to 70 days Up to 30 days Up to 70 days Up to 30 days 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
Up to 90 days Up to 60 days Up to 90 days Up to 60 days 170 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital
Day care Procedures
All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered Covered Covered Covered
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Covered 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
Silver Smart: Rs.2,000
Gold Smart: Rs.3,500
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs : Rs.15,000
Covered Maximum of Rs.2,000 per hospitalisation
Dental Treatment
Not Covered Not Covered Covered out patient expenses procedures – Root Canal Treatment, Extractions Dental treatment, necessitated due to disease or an injury Not Covered Not Covered Dental treatment, necessitated due to disease or injury
Bariatric Surgery
50% of Sum insured maximum up to Rs.5 lakhs
(waiting period 3years)
Not Covered Covered if medically indicated Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered up to 20% of Sum Insured Covered Covered Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
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 Covered(Optional)
(Waiting period : 3 years)
Not Covered Not Covered
New Born baby cover
50% of Sum insured maximum up to Rs.5 lakhs Not Covered Covered if medically indicated Not Covered Up to parent care sum insured(Optional) Not Covered Not 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 Covered up to sum insured Covered up to sum insured Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Available up to Rs.500,000 Not Covered Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
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 Covered
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not Covered
Hospital daily allowance
Not Covered Not Covered Up to Rs.1,000 per day Not Covered Covered up to Sum Insured Covered up to Sum Insured Not 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
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims
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 Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
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 Sum Insured Rebound upto 100% of Sum Insured per year Not Covered Not Covered
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) 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%
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%
5% 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%
Emergency Air Ambulance
Not Covered Not Covered Rs.50,000 to Rs.5 lakhs Not Covered
Silver Smart:Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart : Up to 5 lakhs.
Not Covered Not Covered
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
Silver Smart: Rs.3 to 5 Lakhs
Gold Smart: Rs.7.5 to 15 Lakhs
Platinum Smart: Rs.20 to 75 Lakhs
Rs.3 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1 year 1 year 1/2/3 Years 1/2/3 Years 1 Year
Eligibility criteria
Adults from 17 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 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
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 Loading Loading No Loading Loading Loading No 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
Useful Links
Bajaj Allianz HDFC ERGO
Claims Settlement Ratio ** 94.55% 85.97%
Number of Lives Covered * 2,46,85,000 96.05,000
Network Hospitals 6,500 + 6,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025