Compare Care(formerly Religare) vs Cholamandalam Health Insurance, Cholamandalam Vs Care(formerly Religare) Mediclaim Insurance Comparison

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Maternity health insurance - JOY	Care(formerly Religare) health insurance - Care	Healthline Value Freedom Enrich Privilege	Flexi Health	Arogya Sanjeevani
In-patient Treatment
Covered	Covered	Covered	Covered	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	Single occupancy AC room is allowed for all Sum Insured except for Rs. 1 Lakh / 2Lakhs. For Rs. 1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively.	NIL Room Rent restrictions	Covered
ICU Charges
Covered	3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit	Covered	Not Covered	Not Covered
Pre-hospitalization
30 days before the date of admission to the hospital	Up to 30 days	Value Healthline: 30 days before the date of admission to the hospital Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital	30 days	30 days
Post-hospitalization
60 days after discharge from the hospital	Up to 60 days	Value Healthline: 60 days before the date of admission to the hospital Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital	60 days	60 days
Day Care Procedures
Covered	Covers more than 540 day Care treatments	Covered	Covered	All day care procedures covered
Domiciliary Treatment
Not Covered	Up to 10% of sum insured	Covered (Maximum 7 days)	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	Value Healthline: Rs.1,000 per hospitalisation Freedom & Enrich Healthline: Rs.2,000 per hospitalisation Privilage Healthline: Rs.5,000 per hospitalisation	Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation	Maximum of Rs. 2000 per hospitalisation
Dental Treatment
Not Covered	Not Covered	Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Rs.10,000 every 2 Years (Additional benefit)	Not Covered	Covered
Bariatric Surgery
Not Covered	Not Covered	Not Covered	Not Covered	Not Covered
Ayush Benefit
Not Covered	Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha	Covered	Covered	Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy
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)	Value,Freedom & Enrich Healthline: Not Covered; Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)	Not Covered	Covered
New Born baby cover
3 Lakhs: Up to Rs.30,000 5 Lakhs: Up to Rs.50,000	Not Covered	Value,Freedom & Enrich Healthline: Not Covered Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured	Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date	Not Covered
Vaccination of the new born baby
Not Covered	Covered	Not Covered	Not Covered	Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered	Not Covered	Value Healthline& Freedom Healthline: Not Covered Enrich Healthline : Rs 500 per day for 7 days Privilage Healthline: Not Covered (Additional benefit)	Not Covered	Not 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	Covered	Not Covered
Vaccination (In case of post bite treatment)
Not Covered	Covered	Not Covered	Covered	Not Covered
Health Check-up
Not Covered	Covered	Value Healthline: Not Covered Freedom Healthline: Once after 3 claim free years Enrich & Privilage Healthline: Once after 2 claim free years	health check-up - once in every 2 claim-free years	No pre-policy health check-up before 50 years of age
Hospital daily allowance
Not Covered	Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days	Value Healthline& Freedom Healthline: Not Covered Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization) (Additional benefit)	Daily benefit of `500/- per day towards accompanying person expenses, up to a maximum of 10 days per policy period	Not Covered
Co-pay
20% co-pay above 60 years	20% co-pay above 60 years	Value Healthline: 10% on all claims Freedom, Enrich, Privilage Healthline: Not Covered(for age above 55years)	No co-pay	Co-pay fixed at 5% for all ages/sum insureds in this policy
Pre-existing diseases coverage
Covered after 4 years of continuous coverage	Covered after 4 years of continuous coverage	Pre-existing diseases covered after 4 years of continuous coverage	Pre-existing diseases covered after 3 years of continuous coverage	Benefits not available for any pre-existing condition(s) until 48 consecutive months of continuous coverage
Restore Benefit
Not Covered	Recharge up to 100% of Base Sum Insured per year	Not Covered	Covered	Not Covered
General waiting period
30 days	30 days	30 days	30 days	30 days (not applicable on renewal and for accidents)
Renewal Benefit / Cumulative Bonus
Covered(Optional)	10% for every claim free year up to 50% of sum insured	Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured	10% for every claim-free year up to 50% of sum insured	Increase in the Sum Insured by 5% in respect of each claim free year subject to a maximum of 50% of SI
Emergency Air Ambulance
Not Covered	Covered(Optional)	Not Covered	Not Covered	Not Covered
Available sum insured options
3 & 5 Lakhs	3 to 75 Lakhs	Value Healthline: 1 to 10 Lakhs Freedom Healthline: 2 to 15 Lakhs Enrich Healthline: 3 to 25 Lakhs Privilage Healthline: 5 to 25 Lakhs	Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs	Minimum Sum Assured is ₹ 1 Lac Maximum Sum Assured is ₹ 5 Lacs (Sum Assured can be opted for in multiples of ₹50,000)
Policy can be purchased for
1/2/3 years	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	Adults from 18 to 65 years (dependents 90 days to 26 years)	Adults from 18 to 65 years and Children 03 months to 26 years	Adults from 18 to 65 years and Children 03 months to 25 years
Renewability
Renewal for whole life	Renewal for whole life	Renewal for whole life	Renewal for whole life	Renewal for whole life
Claims loading
No Loading	Loading	No Loading	No Loading	No Loading
Portablity(At the time of renewal)
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
Useful Links
Details Brochure	Details Brochure	Details Brochure	Details Brochure	Details Brochure

	Care(formerly Religare)	Cholamandalam
Claims Settlement Ratio ^**	95.2 %	73.87 %
Number of Lives Covered ^*	1,07,13,000	1,806,000
Network Hospitals	16,500 +	7,250 +
* As per IRDAI report for 2018-19 ** As per NL25 data published on the Insurance Company website