Compare Care vs Reliance health insurance
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| Maternity health insurance - JOY
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Care health insurance - Care
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HealthGain
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Arogya Sanjeevani
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| In-patient Treatment | |||||
| Covered | Covers hospitalisation expenses due to an disease/illness/injury per policy period | Covered, no-sub limits | Covers hospitalisation expenses | ||
| Room Rent | |||||
| Single private room with AC | No sub-limit | No sub-limit | Up to 2% of the sum insured subject to maximum of Rs.5000 per day. | ||
| ICU Charges | |||||
| Covered | Not Covered | Covered | Expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day. | ||
| Pre-hospitalization | |||||
| 30 days before the date of admission to the hospital | Standard Plan 30 days Silver & Gold Plan 60 days |
90 days before the date of admission to the hospital | Covers medical expenses incurred 30 days prior to the date of hospitalisation. | ||
| Post-hospitalization | |||||
| 60 days after discharge from the hospital | Standard Plan 60 days Silver & Gold Plan 90 days |
180 days after discharge from the hospital | Covers medical expenses incurred up to 60 days from the date of discharge. | ||
| Day Care Procedures | |||||
| Covered | All day care procedures are covered | All day care procedures are covered | Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure. | ||
| Domiciliary Treatment | |||||
| Not covered | Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation | Covered up to sum insured | Not covered | ||
| Emergency Ambulance | |||||
| Up to a limit of Rs.1,000 per claim | Standard Plan 500 per hospitalisation Silver Plan 750 per hospitalisation Gold Plan 1000 per hospitalisation |
Covered, No Sub-limits | Up to Rs 2,000 per hospitalisation | ||
| Dental Treatment | |||||
| Not covered | Not covered | Not covered | Covered | ||
| Bariatric Surgery | |||||
| Not covered | Not covered | Not covered | Not covered | ||
| Ayush Benefit | |||||
| Not Covered | Not covered | Covered, no-sub limits | Covered, no-sub limits | ||
| Maternity Benefits | |||||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period: 9 months) |
Not covered | Not covered | Not covered | ||
| New Born baby cover | |||||
3 lakhs: Up to Rs 30,000 5 lakhs: Up to Rs 50,000 |
Not Covered | Not covered | Not covered | ||
| Organ Donor Expenses | |||||
| Not Covered | Available only under Gold and Silver plans | No-sublimit | Not covered | ||
| Vaccination (In case of post bite treatment) | |||||
| Not Covered | Not covered | Not covered | Not covered | ||
| Health Check-up | |||||
| Not covered | Standard Plan: No Silver Plan 7: Rs.250 per day for a maximum period of 5 days Gold Plan: Rs.300 per day for a maximum period of 5 days |
10% discount on health check-up | Not covered | ||
| Hospital daily allowance | |||||
| Not Covered | Standard Plan: No Silver Plan: No Gold Plan: Rs.250 per day up to 7 days |
Not covered | Not covered | ||
| Co-pay | |||||
| 20% co-pay above 60 years | Not covered | 10%, if opted | 5% for all claims | ||
| Pre-existing diseases coverage | |||||
| Covered after 4 years of continuous coverage. | Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan.. | Pre-existing diseases covered after 36 months of continuous coverage. | Pre-existing diseases covered after 48 months of continuous coverage. | ||
| Restore Benefit | |||||
| Not Covered | Not applicable | Equal to 100% of Sum Insured | Not applicable | ||
| General waiting period | |||||
| 30 days | 30 days | 30 days | 48 days | ||
| Renewal Benefit / Cumulative Bonus | |||||
Covered(Optional) |
Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date. | 10% discount on renewal premium | Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of sum insured. | ||
| Emergency Air Ambulance | |||||
| Not Covered | Not covered | Not covered | Not covered | ||
| Available sum insured options | |||||
| 3 & 5 Lakhs | 5 lakhs | 3 lakhs to 1 CRORE | 1 lakh, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs and 5 lakhs. | ||
| Policy can be purchased for | |||||
| 1/2/3 years | 1 years | 1/2/3 years | 1 year | ||
| Eligibility criteria | |||||
| Adults from 18 to 65 years (dependents 91 days to 17 years) | Maximum age to enter the plan is 65 years covered under the policy | Child: 91 days to 25 years Adult: 18 years to 65 years covered under the policy |
Child: 91 days to 25 years Adult: 18 years to 65 years |
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| 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 | 5% for one condition ,max up to 25% | 10% for one condition , max up to 50% | No Loading | ||
| Portablity (At the time of renewal) |
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| 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 | ||
| Useful Links | |||||
| Care | Reliance | |
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| Claims Settlement Ratio ** | 95.2 % | 80.61% |
| Number of Lives Covered * | 54,33,000 | 22,48,000 |
| Network Hospitals | 16,500 + | 4,000 + |
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