Compare Bharti AXA vs Raheja QBE Health Insurace
| Bharti AXA | Raheja QBE | |
|---|---|---|
| Claims Settlement Ratio ** | 98.27% | 100% |
| Number of Lives Covered * | 135 | |
| Network Hospitals | 4,500 + | 5,000 + |
| ||
 |
|
 |
|
|---|---|---|---|
| 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 |
