Compare Care(formerly Religare) vs Bharti AXA Health Insurance Plans
| Care(formerly Religare) | Bharti AXA | |
|---|---|---|
| Claims Settlement Ratio ** | 95.2 % | 98.27 % |
| Number of Lives Covered * | 1,07,13,000 | |
| Network Hospitals | 16,500 + | 4,500 + |
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|---|---|---|---|
| Maternity health insurance - JOY | Care(formerly Religare) health insurance - Care | Smart Health Assure | Smart Super Health |
| In-patient Treatment | |||
| Covered | Covered | Covered up to sum insured | Covered up to sum insured |
| 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 |
Covered | Covered |
| 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 | 60 days(Covered up to sum insured) | 60 days(Covered up to sum insured) |
| Post-hospitalization | |||
| 60 days after discharge from the hospital | Up to 60 days | 90 days(Covered up to sum insured) | 90 days(Covered up to sum insured) |
| Day Care Procedures | |||
| Covered | Covers more than 540 day Care treatments | Up to sum insured as per list provided in policy document | Up to sum insured as per list provided in policy document |
| Domiciliary Treatment | |||
| Not Covered | Up to 10% of sum insured | Covered up to sum insured | Covered up to sum insured |
| 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 |
Rs.3,000 per event | Rs.3,000 per event |
| Dental Treatment | |||
| Not Covered | Not Covered | As per specified limit and plan opted | Not Covered |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Not Covered | Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha | Covered up to sum insured | Covered up to sum insured |
| Maternity Benefits | |||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period: 9 months) |
3 to 40 Lakhs: Not Covered 50 to 75 Lakhs: Covered (Waiting period: 24 months) |
Covered | Covered |
| New Born baby cover | |||
3 Lakhs: Up to Rs.30,000 5 Lakhs: Up to Rs.50,000 |
Not Covered | Covered | Covered |
| Organ Donor Expenses | |||
| Not Covered | 3 & 4 Lakhs: Up to Rs.50,000 5 to 10 Lakhs: Up to Rs.100,000 15 to 40 Lakhs: Up to Rs.200,000 50 to 75 Lakhs: Up to Rs.300,000 |
Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | |||
| Not Covered | Covered | Not Covered | As per specified limit and plan opted |
| Health Check-up | |||
| Not Covered | Covered | Annual health check-up available | Annual health check-up available |
| Hospital daily allowance | |||
| Not Covered | Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days | As per specified limit and plan opted | As per specified limit and plan opted |
| Co-pay | |||
| 20% co-pay above 60 years | 20% co-pay above 60 years | NIL co-pay | NIL co-pay |
| Pre-existing diseases coverage | |||
| Covered after 4 years of continuous coverage. | Covered after 4 years of continuous coverage. | Covered after 4 years of continuous coverage. | Covered after 4 years of continuous coverage. |
| Restore Benefit | |||
| Not Covered | Recharge up to 100% of Base Sum Insured per year |
Up to 100% of Base Sum Insured | Up to 100% of Base Sum Insured |
| General waiting period | |||
| 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 | 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% |
| Emergency Air Ambulance | |||
| Not Covered | Covered(Optional) |
Not Covered | As per specified limit and plan opted |
| Available sum insured options | |||
| 3 & 5 Lakhs | 3 to 75 Lakhs | 3 & 4 Lakhs | Value: 5 & 7.5 Lakhs Classic: 10 to 20 Lakhs Uber: 30 & 50 Lakhs above |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | 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 | 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 |
| 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 | |||
| No Loading | Loading | Loading | 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 |
