Bharti AXA vs Raheja QBE Health Insurace

Compare Bharti AXA vs Raheja QBE 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 Raheja QBE
Claims Settlement Ratio ** 98.27% 100%
Number of Lives Covered * 135
Network Hospitals 4,500 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Bharti AXA Bharti AXA Raheja QBE Raheja QBE
Mediclaim Premier Mediclaim Health QuBE Arogya Sanjeevani
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered Covered
Room Rent
Covered Covered
Basic: 1% of sum insured
Comprehensive: No Limit
Super Saver: 1% of sum insured
Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered Covered
Basic: 2% of sum insured
Comprehensive: No Limit
SuperSaver: 2% of sum insured
Up to 5% of the 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)
Basic:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
Comprehensive:
3 to 50 Lakhs: 60 days
SuperSaver:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
30 days before the date of admission to the hospital
Post-hospitalization
90 days(Covered up to sum insured) 90 days(Covered up to sum insured)
Basic:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
Comprehensive:
3 to 50 Lakhs: 90 days
SuperSaver:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
60 days after discharge from the hospital
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 Covered All the day care treatments
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured
Basic:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Comprehensive:
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
SuperSaver:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Not Covered
Emergency Ambulance
Rs.3,000 per event Rs.3,000 per event
Basic:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Comprehensive:
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
SuperSaver:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisatio
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Covered up to Rs.2,000 per hospitalisation
Dental Treatment
As per specified limit and plan opted Not Covered Dental Treatment, dentures or surgery of any kind unless necessitated due to an accident Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered up to sum insured Covered up to sum insured Not Covered Covered
Maternity Benefits
Covered Covered
Not Covered
Not Covered
New Born baby cover
Covered Covered Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured
Basic:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Comprehensive:
3 to 50 Lakhs: 20% of sum insured
SuperSaver:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Not Covered
Vaccination (In case of post bite treatment)
Not Covered As per specified limit and plan opted Not Covered Not Covered
Health Check-up
Annual health check-up available Annual health check-up available Avilable only once a year Not Covered
Hospital daily allowance
As per specified limit and plan opted As per specified limit and plan opted
Basic:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Comprehensive:
3 to 50 Lakhs: Not Covered
SuperSaver:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Not Covered
Co-pay
NIL co-pay NIL co-pay 20% co-pay above 60 years 5% co-pay 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 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 all illness Not Covered
General waiting period
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%
Covered 5% every year, maximum up to 50% of Sum Insured
Emergency Air Ambulance
Not Covered As per specified limit and plan opted Not Covered 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
Basic: Rs.1 to 50 Lakhs
Comprehensive: Rs.3 to 50 Lakhs
SuperSaver: Rs.1 to 50 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
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 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
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025