Compare Bajaj Allianz vs IFFCO Tokio Health Insurance Plans
| Bajaj Allianz | IFFCO Tokio | |
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| Claims Settlement Ratio** | 94.55% | 102.43% |
| Number of Lives Covered* | 2,46,85,000 | 22,015,000 |
| Network Hospitals | 6,500 + | 5,000 + |
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| Health Guard | Health Ensure | Health Care Supreme | Arogya Sanjeevani | Family Health Protector | Swasthya Kavacha Policy | Individual Medishield Policy | Swasthya Raksha Bima |
| 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 | Individual Health Protector: Covered. Family Health Protector: Covered. |
Not covered | Not covered | Not 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 | Individual Health Protector: Covered up to sum insured. Family Health Protector: Covered up to sum insured. |
Base plan: 1.0% of the sum insured. Wider plan: 1.5% of basic sum insured. |
Covered up to a specified limit. | Normal Room expenses: 1% of the Sum Insured per day |
| 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 | Individual Health Protector: Covered up to sum insured. Family Health Protector: Covered up to sum insured |
Base plan: 2.0% of the sum insured. Wider plan: 2.5% of the sum insured. |
Covered up to a specified limit. | Sub limit per day for ICU : 2.0% of the Sum Insured per day. |
| Pre-hospitalization | |||||||
| Up to 60 days | Up to 30 days | Up to 60 days | Up to 30 days | Individual Health Protector: Up to 45 days. Family Health Protector: Up to 45 days. |
30 days before hospitalization | Covered Up to 60 days | Covered Up to 30 days |
| Post-hospitalization | |||||||
| Up to 90 days | Up to 60 days | Up to 90 days | Up to 60 days | Individual Health Protector: Up to 60 days. Family Health Protector: Up to 60 days. |
30 days after hospitalization | Covered Up to 60 days | Covered Up to 30 days |
| Day Care Procedures | |||||||
| All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | Covered | Individual Health Protector: Covered Family Health Protector: Covered |
Not covered | Up to 121 day care surgeries covered. | Defined day care surgeries. |
| Domiciliary Treatment | |||||||
| Not Covered | Not Covered | Not Covered | Not Covered | Individual Health Protector: up to 20% of the sum insured are covered Family Health Protector: up to 20% of the sum insured are covered |
Maximum sub-limit of 20% of the basic sum insured. | Maximum sub-limit of 20% of the basic sum insured. | Covered up to a max sub-limit of 20% of sum insured. |
| 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 | Individual Health Protector: 1% of sum insured or Rs. 2500, whichever is less. Family Health Protector: 0.75% of sum insured or Rs. 2500, whichever is less. |
Base plan: Rs.750 or actual, whichever is less for each claim. Wider plan: Rs.1500 or actual, whichever is less . |
1% of sum insured up to a maximum of Rs.1500. | Maximum to Rs.750 for each admissible claim. |
| Dental Treatment | |||||||
| Not Covered | Not Covered | Covered out patient expenses procedures – Root Canal Treatment, Extractions | Dental treatment, necessitated due to disease or an injury | Individual Health Protector: Not covered Family Health Protector: Not covered |
Covered | Not covered | Not covered |
| Bariatric Surgery | |||||||
| 50% of Sum insured maximum up to Rs.5 lakhs(waiting period 3years) | Not Covered | Covered if medically indicated | Not Covered | Individual Health Protector: Not covered Family Health Protector: Not covered |
Not covered | Not covered | Not covered |
| Ayush Benefit | |||||||
| Covered | Covered up to 20% of Sum Insured | Covered | In-patient hospitalization covered up to sum insured | Individual Health Protector: Covered Family Health Protector: Covered |
Not covered | Not covered | Not 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 | Individual Health Protector: Not covered Family Health Protector: Not covered |
Not covered | 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 | Individual Health Protector: Not covered Family Health Protector: Not covered |
Not covered | Not covered | Not covered |
| Organ Donor Expenses | |||||||
| Covered up to sum insured | Covered up to sum insured | Available up to Rs.500,000 | Not Covered | Individual Health Protector: Covered Family Health Protector: Covered |
Covered | This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured. | Actual within the overall limit of Sum Insured |
| Vaccination (In case of post bite treatment) | |||||||
| Not Covered | Not Covered | Not Covered | Not Covered | Individual Health Protector: Up to 10% of total premium paid at end of block of 2 continuous, claim free policies. Family Health Protector: Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies. |
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 | Individual: 1 Coupon at the end of every claims two continuous claims free year Family Floater: 2 Coupon at the end of every claims two continuous claims free year |
Individual Health Protector: 1% of basic sum insured at end of block of 4 continuous, claim free policies. Family Health Protector: Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies. |
Not Available | This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years. | Covered |
| Hospital daily allowance | |||||||
| Not Covered | Not Covered | Upto Rs.1,000 per day | Not Covered | Individual Health Protector: 0.20% of sum insured. Family Health Protector: 0.15% of sum insured, subject to a maximum of Rs. 1,000. |
Base plan: Rs.150 per day Wider plan: Rs.250 per day |
Covered up to a maximum Rs. 250 per day during hospitalization. | Rs.150 per day of Hospitalization. |
| 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 | Individual Health Protector: Not covered Family Health Protector: Not covered |
Not covered | This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable. | 35% Co-pay if the insured person undergoes medical treatment in Zone A Cities/Towns |
| 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 | Individual Health Protector: Not covered Family Health Protector: Not covered |
Pre-existing diseases covered after 4 years of continuous coverage with us. | Any pre-existing disease for a period of 3 years is not covered. | 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 | Individual Health Protector: Not covered Family Health Protector: Not covered |
Not covered | Not covered | Not covered |
| General waiting period | |||||||
| 30 days | 30 days | 30 days | 30 days | 30 days | Not covered | Not covered | Not covered |
| 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% | Individual Health Protector: 5% of sum insured, maximum of 50% for claim free policy. Family Health Protector: 5% of sum insured, maximum of 50% for claim free policy. |
Base plan: N/A Wider plan: Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured |
5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal. |
Not covered |
| Emergency Air Ambulance | |||||||
| Not Covered | Not Covered | Rs.50,000 to Rs.5 lakhs | Not Covered | Individual Health Protector: Not covered Family Health Protector: Not covered |
Not covered | 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 | Individual Health Protector: Rs.50,000 to Rs.20 Lakh. Family Health Protector: Rs.1.5 Lakh to Rs.30 Lakh |
Rs.2 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. | Rs.50, 000 to Rs.5,00,000. | Rs.1 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. |
| Policy can be purchased for | |||||||
| 1/2/3 years | 1/2/3 years | 1 year | 1 year | -- | -- | 1 years | 1 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) | Individual Health Protector: 18 years and 65 years dependent kids from the age of 91 days. Family Health Protector: 18 and 65 years Dependent kids are insured from Day 1 |
18 years to 65 years dependent children above 3 months. |
The policy offers coverage for persons between the ages of 3 months to 80 years. |
18 years to 65 years dependent children above 3 months. |
| 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 | 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 | Daily cash allowance of 1% of sum insured up to a maximum of Rs.250 is available in this plan. | Not covered |
| Claims loading | |||||||
| No Loading | Loading | Loading | No Loading | No Loading | No Loading | No Loading | No Loading |
| Portablity (At the time of renewal) |
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| Yes | Yes | Yes | Yes | Yes | Yes | Yes | 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 | Income tax benefit under section 80D |
