Care (Formerly Religare) vs Godigit Health Insurace

Compare Religare vs Godigit 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 
Religare Godigit
Claims Settlement Ratio ** 95.2 % 60
Number of Lives covered * 1,07,13,000 -
Network Hospitals 16,500 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy buy-online Godigit Godigit
Maternity health insurance - JOY Religare health insurance - Care Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day
5 to 10 Lakhs: Single private room
15 to 75 Lakhs: Single private room,upgradable to next level
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
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
Covered Covered
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
60 days after discharge from the hospital Up to 60 days
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day care Procedures
Covered Covers more than 540 day Care treatments
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Not covered Up to 10% of sum insured
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation
5 to 10 Lakhs: Rs.2,000 per hospitalisation
15 to 40 Lakhs: Rs.2,500 per hospitalisation
50 to 75 Lakhs: Rs.3,000 per hospitalisation
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
Not covered 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
Not covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 & 4 Lakhs: Not covered
5 to 10 Lakhs: Not covered
15 to 40 Lakhs: Not covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
3 lakhs: Up to Rs 30,000
5 lakhs: Up to Rs 50,000
Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Not covered
Covered
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 Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Not covered Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Not covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years
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
Not covered
Recharge up to 100% of Base sum insured per year
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(Optional)
10% for every claim free year up to 50% of sum insured
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
Covered(Optional)
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
3 & 5 Lakhs 3 to 75 Lakhs
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
Adults from 18 to 65 years (dependents 91 days to 17 years) 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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Claims loading
No Loading Loading No 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