Bajaj Allianz vs Royal Sundaram Health Insurance

Compare Bajaj Allianz vs Royal Sundaram Health Insurance Plans
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Health
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Bajaj Allianz Royal Sundaram
Claims Settlement Ratio** 94.55% 80.13%
Number of Lives Covered* 2,46,85,000 1,406,000
Network Hospitals 6,500 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Bajaj Health Guard Insurance Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani royal-sundaram royal-sundaram royal-sundaram
Health Guard Health Ensure Health Care Supreme Arogya Sanjeevani Lifeline health Family Plus Arogya Sanjeevani
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 up to sum insured Covered up to sum insured 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 No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
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 Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000
Pre-hospitalization
Up to 60 days Up to 30 days Up to 60 days Up to 30 days
Classic: Covered up to 30 days
Supreme: Covered up to 60 days
Elite: Covered up to 60 days
Up to 60 days Up to 30 days
Post-hospitalization
Up to 90 days Up to 60 days Up to 90 days Up to 60 days
Classic: Covered up to 60 days
Supreme: Covered up to 90 days
Elite: Covered up to 180 days
Up to 180 days Up to 60 days
Day Care Procedures
All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered Covered up to sum insured Covered up to sum insured Covered up to sum insured
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Covered up to sum insured Covered up to sum insured Not 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
Classic: Up to Rs.3,000
Supreme: Up to Rs.5,000
Elite: Up to Rs.10,000
Up to Rs 4,000 Up to 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 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 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
Classic: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.20,000
Supreme: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.30,000
Elite: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Available 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
Up to Rs.25,000 to Rs.1 lakh
( waiting period: 2 years)
Not Covered
Classic: Not covered
Supreme: Not covered
Elite: 25,30,50 Lakhs: Rs.200000
100,150 Lakhs: Rs.250000
INR 50,000, per delivery Not covered
New Born baby cover
50% of Sum insured maximum up to Rs.5 lakhs Not Covered Covered if medically indicated Not Covered
Classic: Not covered
Supreme: Not covered
Elite: Rs.25 lakhs: Rs.625,000
Rs.30 lakhs: Rs.750,000
Rs.50 Lakhs: Rs.1,250,000
Rs.100 lakhs: Rs.2,500,000
Rs.150 lakhs: Rs.3,750,000
Covered Not covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Available up to Rs.500,000 Not Covered Covered up to sum insured Covered up to sum insured Not covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered
Classic: Up to Rs.2,500
Supreme: Up to Rs.5,000
Elite: Up to Rs.7,500
Up to Rs.5,000 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
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered
Hospital daily allowance
Not Covered Not Covered Upto Rs.1,000 per day Not Covered Not covered Not covered 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 Covered Covered Co-payment of 5% applicable
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
Classic: Covered after 48 months
Supreme: Covered after 36 months
Elite: Covered after 24 months
Covered after 36 months Covered after 48 months
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 Not covered 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% Covered Covered 5% in respect of each claim free year subject to a maximum of 50% of sum insured, in the event of claim Cumulative Bonus shall be reduced at the same rate.
Emergency Air Ambulance
Not Covered Not Covered Rs.50,000 to Rs.5 lakhs 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
Classic: 2/3/4 Lakhs
Supreme: 5/10/15/20/50 Lakhs
Elite: 25/30/50/100/150 Lakhs
Individual - Rs.2/3/5/10/15 lakhs
Floater - Rs.3/4/10/15/20/25/50 lakhs
Rs.1/1.5/2/2.5/3 /3.5/4/4.5/5 lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1 year 1 year 1/2 years 1/2 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) Adults from 18 to 65 years (dependents 91 days to 5 years) There is No Restriction on Maximum Entry Age Adults from 18 to 65 years (dependents 3 months to 25 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
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
Claims loading
No Loading Loading Loading No Loading Applicable Applicable 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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025