Compare Care (Formerly Religare) vs Universal Sompo health insurance
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| Maternity health insurance - JOY
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Care(formerly Religare) health insurance - Care
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Complete Healthcare
Basic
Essential
Privilege
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Arogya Sanjeevani
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| In-patient Treatment | |||
| 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 |
Covered | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day |
| ICU Charges | |||
| Covered | 3 & 4 Lakhs: 2% of sum insured per day 5 to 75 Lakhs: No limit |
Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day |
| Pre-hospitalization | |||
| 30 days before the date of admission to the hospital | Up to 30 days | 30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital |
| Post-hospitalization | |||
| 60 days after discharge from the hospital | Up to 60 days | 60 days after discharge from the hospital | 60 days after discharge from the hospital |
| Day Care Procedures | |||
| Covered | Covers more than 540 day Care treatments | 141 day care expenses covered | Covered |
| Domiciliary Treatment | |||
| Not covered | Up to 10% of sum insured | 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 |
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less |
Subject to a maximum of Rs.2,000 per hospitalisation |
| Dental Treatment | |||
| Not covered | Not covered | Up to 100% of In-patient treatment sum insured (In case of accident) |
Dental treatment necessitated due to disease or injury |
| 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 |
| 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) |
Basic: Not Covered Essential: Normal Delivery: Up to Rs.15,000 or actuals whichever is less Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less Privilege: Normal Delivery: Up to Rs.25,000 or actuals whichever is less Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less (waiting period: 3 years) |
Not Covered |
| New Born baby cover | |||
3 lakhs: Up to Rs 30,000 5 lakhs: Up to Rs 50,000 |
Not covered | Basic: Not Covered Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier |
Not Covered |
| Organ Donor Expenses | |||
| Not covered | Covered |
Covered | Not Covered |
| Vaccination (In case of post bite treatment) | |||
| Not covered | Covered | Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less | Not Covered |
| Health Check-up | |||
| Not covered | Covered | Individual: 1 Coupon at the end of every claims two continuous claims free year Family Floater: 2 Coupon at the end of every claims two continuous claims free year |
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 | Basic: Rs.200 per day Essential: Rs.500 per day Privilege: Rs.1,000 per day (Hospitalisation exceeds 3 days for a maximum number of 7 days) |
Not Covered |
| Co-pay | |||
| 20% co-pay above 60 years | 20% co-pay above 60 years | 10% co-pay applicable for treatment in Non Network hospitals | 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 3 years of continuous coverage | Covered after a waiting period of 4 years |
| Restore Benefit | |||
| Not covered | Recharge up to 100% of Base sum insured per year |
Up to 100% of Base Sum Insured per year | Not Covered |
| 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 | 10% every year, maximum up to 50% of sum insured | 5% for every claim free year up to 50% of sum insured |
| Emergency Air Ambulance | |||
| Not covered | Covered (Optional) |
Not Covered | Not Covered |
| Available sum insured options | |||
| 3 & 5 Lakhs | 3 to 75 Lakhs | Basic: Rs.1 & 2 Lakhs Essential: Rs.3 to 5 Lakhs Privilege: Rs.6 to 10 Lakhs |
Rs.1 to 5 Lakhs |
| Policy can be purchased for | |||
| 1/2/3 years | 1/2/3 years | 1/2/3 years | 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 70 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) |
| 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 | Basic: Not Covered Essential: Rs.300 per day subject to maximum of Rs.9,000 Privilege: Rs.500 per day subject to maximum of Rs.15,000 |
Not Covered |
| Claims loading | |||
| No Loading | Loading | No Loading | No 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 |
| Useful Links | |||
| Care(formerly Religare) | Universal Sompo | |
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| Claims Settlement Ratio ** | 95.2 % | 76.67% |
| Number of Lives Covered * | 1,07,13,000 | 1,137,000 |
| Network Hospitals | 16,500 + | 4,000 + |
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