Compare Care vs Bajaj Allianz
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| Maternity health insurance - JOY
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Care health insurance - Care
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Health Guard
Gold
Platinum
Silver
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Health Ensure
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Health Care Supreme
Ultimo
Vital
Smart
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Arogya Sanjeevani
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| In-patient Treatment | |||||
| Covered | Covered | Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury |
| 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 |
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
1% of sum insured per day max.Rs.5,000 per day | Actual | 2% of sum insured, maximum up to Rs.5,000 per day |
| ICU Charges | |||||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
Actual | 2% of sum insured per day maximum Rs.10,000 per day | Actual | 5% of sum insured, maximum up to Rs.10,000 per day |
| Pre-hospitalization | |||||
| 30 days before the date of admission to the hospital | Up to 30 days | Up to 60 days | Up to 30 days | Up to 60 days | Up to 30 days |
| Post-hospitalization | |||||
| 60 days after discharge from the hospital | Up to 60 days | Up to 90 days | Up to 60 days | Up to 90 days | Up to 60 days |
| Day Care Procedures | |||||
| Covered | Covers more than 540 day Care treatments | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | Covered |
| Domiciliary Treatment | |||||
| Not covered | Up to 10% of sum insured | Not Covered | Not Covered | Not Covered | Not 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 |
Up to Rs.20,000 per policy year | Up to Rs.1,000 per hospitalisation | Up to sum insured | Up to Rs.2,000 per hospitalisation |
| Dental Treatment | |||||
| Not covered | Not covered | Not Covered | Not Covered | Covered out patient expenses procedures – Root Canal Treatment, Extractions | Dental treatment, necessitated due to disease or an injury |
| Bariatric Surgery | |||||
| Not covered | Not covered | 50% of Sum insured maximum up to Rs.5 lakhs (waiting period 3years) |
Not Covered | Covered if medically indicated | Not Covered |
| Ayush Benefit | |||||
| Not Covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | Covered | Covered up to 20% of Sum Insured | 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) |
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
Not Covered | Up to Rs.25,000 to Rs.1 lakh ( waiting period: 2 years) |
Not Covered |
| New Born baby cover | |||||
3 lakhs: Up to Rs 30,000 5 lakhs: Up to Rs 50,000 |
Not Covered | 50% of Sum insured maximum up to Rs.5 lakhs | Not Covered | Covered if medically indicated | Not Covered |
| Organ Donor Expenses | |||||
| Not Covered | Covered(Optional) |
Covered up to sum insured | Covered up to sum insured | Available up to Rs.500,000 | Not Covered |
| Vaccination (In case of post bite treatment) | |||||
| Not Covered | Covered | Not covered | Not covered | Not covered | Not covered |
| Health Check-up | |||||
| Not covered | Covered | Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim | Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim | Annual | Not Covered |
| Hospital daily allowance | |||||
| Not Covered | Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days | Not Covered | Not Covered | Up to Rs.1,000 per day | Not Covered |
| Co-pay | |||||
| 20% co-pay above 60 years | 20% co-pay above 60 years | Co-pay options of NIL / 20% based on Zonewise treatment availed |
Co-pay options of NIL / 20% based on Zonewise treatment availed | Co-pay options of NIL | 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 3 years | Covered after a waiting period of 2 years | Covered after a waiting period of 2 years | Covered after a waiting period of 4 years |
| Restore Benefit | |||||
| Not Covered | Recharge up to 100% of Base Sum Insured per year |
Restoration benefit available up to 100% of Base sum insured | NIL restoration benefit | Restoration benefit available up to 100% of Base sum insured | NIL restoration benefit |
| General waiting period | |||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | |||||
Covered(Optional) |
10% for every claim free year up to 50% of sum insured | 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) | 5% on base sum insured for every claim free year and up to 25% | 10% on base sum insured for every claim free year and up to 50% | 5% on base sum insured for every claim free year and up to 50% |
| Emergency Air Ambulance | |||||
| Not Covered | Covered (Optional) |
Not Covered | Not Covered | Rs.50,000 to Rs.5 lakhs | Not Covered |
| Available sum insured options | |||||
| 3 & 5 Lakhs | 3 to 75 Lakhs | Silver Plan: Rs.1.5 Lakhs, 2 Lakhs; Gold Plan: Rs.3 to 50 Lakhs |
Individual: Rs.50,000 to 10 Lakhs; Floater: Rs.2 to 10 Lakhs |
Rs.5 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 | 1/2/3 years | 1 year | 1 year |
| 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 65 years (dependents 3 months to less than 30 years) | Adults from 18 to 99 years (dependents 3 months to less than 30 years) | Adults from 18 to 99 years (dependents 3 months to less than 25 years) | Adults from 18 to 65 years (dependents 3 months to less than 25 years) |
| Renewability | |||||
| Renewal for whole life | 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 | Up to Rs.500 per day maximum up to 10 days during each policy year | Not covered | Not covered | Not covered |
| Claims loading | |||||
| No Loading | Loading | No Loading | Loading | Loading | No Loading |
| Portablity (At the time of renewal) |
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| Yes | 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 | Income tax benefit under section 80D |
| Useful Links | |||||
| Care | Bajaj Allianz | |
|---|---|---|
| Claims Settlement Ratio ** | 95.2 % | 94.55 % |
| Number of Lives Covered * | 1,07,13,000 | 2,46,85,000 |
| Network Hospitals | 16,500 + | 6,500 + |
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