Bharti AXA vs Kotak General Health Insurace

Compare Bharti AXA vs Kotak General Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Bharti AXA Kotak General
Claims Settlement Ratio ** 98.27% 77.71%
Number of Lives Covered * 4,39,000
Network Hospitals 4,500 + 3,900 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Bharti AXA Bharti AXA Kotak General Care Kotak General Premier Kotak General Arogya Sanjeevani
Mediclaim Premier Mediclaim Health Care Health Premier Arogya Sanjeevani
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered Up to base sum insured Covered
Room Rent
Covered Covered No Cap on room rent for this plan Capped at 1% for sum insured less than equal to 4 lakhs No cap on room rent for this plan Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered Covered Covered Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
60 days(Covered up to sum insured) 60 days(Covered up to sum insured) Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
90 days(Covered up to sum insured) 90 days(Covered up to sum insured) Up to 60 days Up to 90 days Up to 60 days
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 150 day care procedures are covered 405 day care procedures are covered All day care procedures are covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Not Covered Up to base sum insured Not Covered
Emergency Ambulance
Rs.3,000 per event Rs.3,000 per event Up to Rs.1,500 Covers up to Rs.20,000 per year Covered
Dental Treatment
As per specified limit and plan opted Not Covered Not Covered Covered(covered from reward points)
(1 Reward point = 0.25Rupees)
Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered up to sum insured Covered up to sum insured Not Covered Up to base sum insured Covered
Maternity Benefits
Covered Covered Not Covered
Advantage: Not Covered
Edge: Up to Rs.25,000 for normal and Rs.35,000 for Cesarean(optional)
Elite: Up to Rs.50,000 for normal and Cesarean(optional)
(Waiting period: 36 months)
Not Covered
New Born baby cover
Covered Covered Not Covered
Advantage: Not Covered
Edge & Elite: Within Maternity Benefit Sum Insured(optional)
(Waiting period: 3years)
Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured
Up to Base Annual Sum Insured
(Optional)
Up to base sum insured Not Covered
Vaccination (In case of post bite treatment)
Not Covered As per specified limit and plan opted Not Covered Not Covered Not Covered
Health Check-up
Annual health check-up available Annual health check-up available For each insured person above 18 years of age, each policy year for specified tests For each insured person above 18 years of age, each policy year for specified tests Covered 56 years and above
Hospital daily allowance
As per specified limit and plan opted As per specified limit and plan opted
Rs.500 per day for minimum of Extensions 3 days subject to maximum of 10 days
(Optional)
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.3,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Co-pay
NIL co-pay NIL co-pay NIL co-pay for all treatment NIL co-pay for all treatment 5% Co-pay applicable on all claims
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after a waiting period of 4 years
Advantage: Covered after a waiting period of 4 years
Edge: Covered after a waiting period of 4 years
Elite: Covered after a waiting period of 3 years
Covered after a waiting period of 4 years
Restore Benefit
Up to 100% of Base Sum Insured Up to 100% of Base Sum Insured Up to 100% of base sum insured paid for unrelated illness/accidents Up to 100% of base sum insured for unrelated illness/accidents Not Covered
General waiting period
30 days 30 days 30 days 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%
10% for every claim free year up to 50% of sum insured
Advantage: 10% for every claim free year up to 50% of sum insured
Edge: 10% for every claim free year up to 100% of sum insured
Elite: 10% for every claim free year up to 100% of sum insured
5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered As per specified limit and plan opted Not Covered
Advantage: Not Covered
Edge: Not Covered
Elite: Up to 10% of base sum insured and subject to a maximum of 5lakhs
(optional)
Not Covered
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
Individual:
Excel: Rs.2 to 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Floater:
Excel: Rs.3 & 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Advantage: Rs.3 to 10 Lakhs
Edge: Rs.5 to 20 Lakhs
Elite: Rs.10 to 25 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1 year
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 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 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 5 years)
Renewability
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
Not Covered Not Covered Not Covered
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.1,500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Claims loading
Loading Loading Loading Loading Loading
Portablity (At the time of renewal)
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025