Bajaj Allianz vs SBI General Health Insurance

Bajaj Allianz vs SBI General Health Insurance Plans
Plan Type
Health
Coverage type
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  OR age    years
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Bajaj Allianz SBI General
Claims Settlement Ratio** 94.55% 62.73%
Number of Lives Covered* 2,46,85,000 27,48,000
Network Hospitals 6,500 + 6,000 +
  • * 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 SBI General SBI General SBI General SBI General
Health Guard Health Infinity Health Ensure Health Care Supreme Arogya Sanjeevani Retail Health Arogya Premier Arogya Plus 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 1% of sum insured per day Covered Covered Up to 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 2% of sum insured per day Covered Covered Up to 5% of the 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 Up to 30 days Up to 60 days Up to 60 days 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 Up to 60 days Up to 90 days Up to 90 days 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 142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
Domiciliary Treatment
Not Covered Not Covered Not Covered Not Covered Not Covered 20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation 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 sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of 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 Covered Covered 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 Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered Covered 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 Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule. 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 Not Covered Not Covered 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 Not Covered Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period 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 Not Covered 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 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim Every 3 years, up to maximum Rs.5,000 Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim Annual Not Covered 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered Not Covered
Hospital daily allowance
Not Covered Not Covered Not Covered Up to Rs.1,000 per day Not Covered Not Covered Not Covered Not Covered 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 No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 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 a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years
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 Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
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% 5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% 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.100,000 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.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 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 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 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 Loading 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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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025