Compare Care(formerly Religare) vs Royal Sundaram Health Insurace
| Care(Formarly Religare) | Royal Sundaram | |
|---|---|---|
| Claims Settlement Ratio ** | 95.2 % | 80.13 % |
| Number of Lives Covered * | 54,33,000 | 1,406,000 |
| Network Hospitals | 16,500 + | 5,000 + |
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| Maternity health insurance - JOY | Care(formerly Religare) - Care | Lifeline health | Family Plus | Arogya Sanjeevani |
| In-patient Treatment | ||||
| Covered | Covered | Covered up to sum insured | Covered up to sum insured | 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 |
No Room Rent Capping | No Room Rent Capping | Up to 2% of sum insured subject to a maximum of Rs.5000 |
| ICU Charges | ||||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day; 5 to 75 Lakhs: No limit |
Not covered | No Room Rent Capping | Up to 5% of sum insured subject to a maximum of Rs.10000 |
| Pre-hospitalization | ||||
| 30 days before the date of admission to the hospital | Up to 30 days | Classic: Covered up to 30 days Supreme: Covered up to 60 days Elite: Covered up to 60 days |
Up to 60 days | Up to 30 days |
| Post-hospitalization | ||||
| 60 days after discharge from the hospital | Up to 60 days | Classic: Covered up to 60 days Supreme: Covered up to 90 days Elite: Covered up to 180 days |
Up to 180 days | Up to 60 days |
| Day Care Procedures | ||||
| Covered | Covers more than 540 day Care treatments | Covered up to sum insured | Covered up to sum insured | Covered up to sum insured |
| Domiciliary Treatment | ||||
| Not covered | Up to 10% of sum insured | Covered up to sum insured | Covered up to sum insured | 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; |
Classic: Up to Rs.3,000 Supreme: Up to Rs.5,000 Elite: Up to Rs.10,000 |
Up to Rs 4,000 | Up to Rs.2,000 per hospitalisation |
| Dental Treatment | ||||
| Not covered | Not covered | Not covered | Not covered | Not 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 | Classic: Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.20,000 Supreme: Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.30,000 Elite: Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.50,000 |
Government Hospitals - Covered up to sum insured Other Hospitals - Covered up to Rs.50,000 |
Available 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 & 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) |
Classic: Not covered Supreme: Not covered Elite: 25,30,50 Lakhs: Rs.200000 100,150 Lakhs: Rs.250000 |
INR 50,000, per delivery | Not covered |
| New Born baby cover | ||||
3 lakhs: Up to Rs.30,000; 5 lakhs: Up to Rs.50,000 |
Not covered | Classic: Not covered Supreme: Not covered Elite: Rs.25 lakhs: Rs.625,000 Rs.30 lakhs: Rs.750,000 Rs.50 Lakhs: Rs.1,250,000 Rs.100 lakhs: Rs.2,500,000 Rs.150 lakhs: Rs.3,750,000 |
Covered | Not covered |
| Vaccination of the new born baby | ||||
| Not covered | Covered | Classic: Not covered Supreme: Not covered Elite: Covered up to 10,000 |
Covered up to 10,000 | 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 up to sum insured | Covered up to sum insured | Not covered |
| Vaccination (In case of post bite treatment) | ||||
| Not covered | Covered | Classic: Up to Rs.2,500 Supreme: Up to Rs.5,000 Elite: Up to Rs.7,500 |
Up to Rs.5,000 covered | Not covered |
| Health Check-up | ||||
| Not covered | Covered | Classic: Not covered Supreme: Annual Elite: Annual |
Covered | 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 | Not covered |
| Co-pay | ||||
| 20% co-pay above 60 years | 20% co-pay above 60 years | Covered | Covered | Co-payment of 5% applicable |
| Pre-existing diseases coverage | ||||
| Covered after 4 years of continuous coverage. | Covered after 4 years of continuous coverage. | Classic: Covered after 48 months Supreme: Covered after 36 months Elite: Covered after 24 months |
Covered after 36 months | Covered after 48 months |
| Restore Benefit | ||||
| Not covered | Recharge Up to 100% of Base sum insured per year |
Not covered | Not covered | Not covered |
| General waiting period | ||||
| 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 | Covered | Covered | 5% in respect of each claim free year subject to a maximum of 50% of sum insured, in the event of claim Cumulative Bonus shall be reduced at the same rate. |
| Emergency Air Ambulance | ||||
| Not covered | Covered (Optional) |
Not covered | Not covered | Not covered |
| Available sum insured options | ||||
| 3 & 5 Lakhs | 3 to 75 Lakhs | Classic: 2/3/4 Lakhs Supreme: 5/10/15/20/50 Lakhs Elite: 25/30/50/100/150 Lakhs |
Individual - Rs.2/3/5/10/15 lakhs Floater - Rs.3/4/10/15/20/25/50 lakhs |
Rs.1/1.5/2/2.5/3 /3.5/4/4.5/5 lakhs |
| Policy can be purchased for | ||||
| 1/2/3 years | 1/2/3 years | 1/2 years | 1/2 years | 1 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 91 days to 5 years) | There is No Restriction on Maximum Entry Age | Adults from 18 to 65 years (dependents 3 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 |
| Daily Cash for Accompanying an Insured Child | ||||
| Not covered | Not covered | Not covered | Not covered | Not covered |
| Claims loading | ||||
| No Loading | Loading | Applicable | Applicable | 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 |
