Bajaj Allianz health insurance vs New India Assurance Health Insurance

Compare Bajaj Allianz vs New India Assurance Health Insurance Plans
Plan Type
Health
Coverage type
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Coverage amount
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  OR age    years
Policy duration
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Bajaj Allianz New India Assurance
Claims Settlement Ratio ** 94.55% 97.32%
Number of Lives Covered * 2,46,85,000 8,75,61,000
Network Hospitals 6,500 + 3,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Bajaj Health Guard Insurance Health Infinity Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani New India Assurance New India Assurance New India Assurance New India Assurance
Health Guard Health Infinity Health Ensure Health Care Supreme Arogya Sanjeevani Mediclaim Premier Mediclaim Floater Mediclaim Arogya Sanjeevani
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 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 maximum Rs.5,000 per day Actual 2% of sum insured, maximum up to Rs.5,000 per day Not exceeding 1% of the sum insured per day Covered Not exceeding 1% of the sum insured per day 2% of the sum insured subject to maximum of Rs.5,000 per day
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 Not exceeding 2% of the Sum Insured per day Covered Not exceeding 2% of the Sum Insured per day Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
Up to 60 days Up to 60 days Up to 30 days Up to 60 days Up to 30 days 30 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 30 days before the date of admission to the hospital
Post-hospitalization
Up to 90 days Up to 90 days Up to 60 days Up to 90 days Up to 60 days 60 days after discharge from the hospital 90 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital
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 139 Day Care procedures are covered Covered Covered Covered
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
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% of the Sum Insured Covered 1% of the Sum Insured Rs.2,000 per hospitalisation
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 Not Covered Not Covered Dental treatment, necessitated due to disease or injury
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 Not Covered Not Covered
Ayush Benefit
Covered Not Covered Covered up to 20% of sum Insured Covered Covered Up to 25% of sum insured Up to 20% of Sum Insured Up to 25% of sum insured 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 Not Covered
Up to Rs.25,000 to Rs.1 lakh
(waiting period: 2 years)
Not Covered
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Plan A: Up to Rs.50,000
Plan B: Up to Rs.100,000
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
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 Covered Covered for any Illness or Injury 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 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 Covered hospitalisation expenses
(excluding cost of organ)
Covered hospitalisation expenses
(excluding cost of organ)
Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
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 Health check up for every 3 claim free years Health check up for every 3 claim free years Covered Not Covered
Hospital daily allowance
Not Covered Not Covered Not Covered Up to Rs.1,000 per day Not Covered 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured
Plan A: Rs.2,000 per day
Plan B: Rs.4,000 per day
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured 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 Option of Co-pay upto 20% on certain mediclaim plans NIL Co-pay under this plan NIL Co-pay under this plan 5% Co-pay applicable on all claims
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 3 years of continuous coverage 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 NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit
General waiting period
30 days 30 days 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% 25% for every claim free year up to 50% of sum insured Not Covered 25% for every claim free year up to 50% of sum insured 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered Not Covered Not Covered Rs.50,000 to Rs.5 Lakhs Not Covered Not Covered Up to Rs. 1,00,000 for any one illness Not Covered Not Covered
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.1 to 15 Lakhs Rs.15 Lakhs to 1 Crore Rs.2 to 15 Lakhs Rs.1 to 5 Lakhs
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 1/2/3 years 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) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 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 Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading No Loading Loading Loading No Loading No Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
Yes Yes 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 Income tax benefit under section 80D Income tax benefit under section 80D
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Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025