Compare Bharti AXA vs Godigit Health Insurace
| Bharti AXA | Godigit | |
|---|---|---|
| Claims Settlement Ratio ** | 98.27% | 60 |
| Number of Lives Covered * | -- | -- |
| Network Hospitals | 4,500 + | 6,400 + |
| ||
 |
|
 |
|
|---|---|---|---|
| Mediclaim | Premier Mediclaim | Digit Health Care Plus | Digit Health Plus |
| In-patient Treatment | |||
| Covered up to sum insured | Covered up to sum insured | Maxima Restore Super: All Illness Hospitalization Early Cover: All Illness Hospitalization Super Care: All Illness Hospitalization |
Covered |
| Room Rent | |||
| Covered | Covered | Maxima Restore Super: No room rent restriction Early Cover: No room rent restriction Super Care: No room rent restriction |
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy ) |
| ICU Charges | |||
| Covered | Covered | Covered | Covered |
| Pre-hospitalization | |||
| 60 days(Covered up to sum insured) | 60 days(Covered up to sum insured) | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
Covered |
| Post-hospitalization | |||
| 90 days(Covered up to sum insured) | 90 days(Covered up to sum insured) | Maxima Restore Super: 60 days Early Cover: 60 days Super Care: 60 days |
Covered |
| Day Care Procedures | |||
| Up to sum insured as per list provided in policy document | Up to sum insured as per list provided in policy document | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Domiciliary Treatment | |||
| Covered up to sum insured | Covered up to sum insured | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Emergency Ambulance | |||
| Rs.3,000 per event | Rs.3,000 per event | Maxima Restore Super: 1% upto Rs.5,000 Early Cover: 1% upto Rs.5,000 Super Care: 1% upto Rs.5,000 |
Covered |
| Dental Treatment | |||
| As per specified limit and plan opted | Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Ayush Benefit | |||
| Covered up to sum insured | Covered up to sum insured | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Maternity Benefits | |||
| Covered | Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| New Born baby cover | |||
| Covered | Covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Organ Donor Expenses | |||
| Covered up to sum insured | Covered up to sum insured | Maxima Restore Super: Covered Early Cover: Not Covered Super Care: Not Covered |
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed. |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | As per specified limit and plan opted | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Health Check-up | |||
| Annual health check-up available | Annual health check-up available | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Hospital daily allowance | |||
| As per specified limit and plan opted | As per specified limit and plan opted | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Co-pay | |||
| NIL co-pay | NIL co-pay | Maxima Restore Super: No Age based Co-Payment Early Cover: No Age based Co-Payment Super Care: No Age based Co-Payment |
Covered |
| Pre-existing diseases coverage | |||
| Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage | Maxima Restore Super: 2 year waiting period for PED Early Cover: 2 year waiting period for PED Super Care: 3 year waiting period for PED & 2 year for Specific illness |
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule |
| Restore Benefit | |||
| Up to 100% of Base Sum Insured | Up to 100% of Base Sum Insured | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
NIL restoration benefit |
| General waiting period | |||
| 30 days | 30 days | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
30 days |
| Renewal Benefit / Cumulative Bonus | |||
| Covered | For age below 45 years 50% of expiring policy sum insured not exceeding 100% For age above 45 years 20% of expiring policy sum insured not exceeding 100% |
Maxima Restore Super: 10% each claim free year (max 50%) Early Cover: 10% each claim free year (max 50%) Super Care: 10% each claim free year (max 50%) |
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule |
| Emergency Air Ambulance | |||
| Not Covered | As per specified limit and plan opted | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital. |
| Available sum insured options | |||
| Rs.3 & 4 Lakhs | Value: Rs.5 & 7.5 Lakhs Classic: Rs.10 to 20 Lakhs Uber: Rs.30 & 50 Lakhs above |
Maxima Restore Super: Rs.3 to 25 Lakhs Early Cover: Rs.3 to 25 Lakhs Super Care: Rs.3 to 25 Lakhs |
Starting from Rs. 2 Lakh |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | Maxima Restore Super: 1/2/3 years Early Cover: 1/2/3 years Super Care: 1/2/3 years |
1/2/3 years |
| Eligibility criteria | |||
| 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | Adults from 18 to 80 years (dependent children will be covered till the age of 25 years) |
Between the age group of 1 year and 60 years |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Claims loading | |||
| Loading | Loading | Loading | No Loading |
| Portablity (At the time of renewal) | |||
| 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 |
