Cholamandalam vs Bharti AXA Health Insurace

Compare Cholamandalam vs Bharti AXA Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Cholamandalam Bharti AXA
Claims Settlement Ratio ** 73.87% 98.27%
Number of Lives Covered * 27,48,000
Network Hospitals 6,000 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Cholamandalam Bharti AXA Bharti AXA
Healthline Smart Health Assure Smart Super Health
In-patient Treatment
Covered Covered up to sum insured Covered up to sum insured
Room Rent
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
Covered Covered
ICU Charges
Covered Covered Covered
Pre-hospitalization
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
60 days(Covered up to sum insured) 60 days(Covered up to sum insured)
Post-hospitalization
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
90 days(Covered up to sum insured) 90 days(Covered up to sum insured)
Day Care Procedures
Covered Up to sum insured as per list provided in policy document Up to sum insured as per list provided in policy document
Domiciliary Treatment
Covered (Maximum 7 days) Covered up to sum insured Covered up to sum insured
Emergency Ambulance
Value Healthline: Rs.1,000 per hospitalisation
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 per hospitalisation
Rs.3,000 per event Rs.3,000 per event
Dental Treatment
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
As per specified limit and plan opted Not Covered
Bariatric Surgery
Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered up to sum insured Covered up to sum insured
Maternity Benefits
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)
Covered Covered
New Born baby cover
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured
Covered Covered
Organ Donor Expenses
Covered Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Not Covered As per specified limit and plan opted
Health Check-up
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
Annual health check-up available Annual health check-up available
Hospital daily allowance
Value Healthline& Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization)
(Additional benefit)
As per specified limit and plan opted As per specified limit and plan opted
Co-pay
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered
(for age above 55years)
NIL co-pay NIL co-pay
Pre-existing diseases coverage
Pre-existing diseases 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 Up to 100% of Base Sum Insured Up to 100% of Base Sum Insured
General waiting period
30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
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
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 Not Covered As per specified limit and plan opted
Available sum insured options
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilage Healthline: Rs.5 to 25 Lakhs
Rs.3 & 4 Lakhs
Value: Rs.5 & 7.5 Lakhs
Classic: Rs.10 to 20 Lakhs
Uber: Rs.30 & 50 Lakhs above
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years
Eligibility criteria
Adults from 18 to 65 years (dependents 90 days to 26 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
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
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
Claims loading
No Loading Loading Loading
Portablity (At the time of renewal)
Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Health Insurance Priority

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025