Compare Cholamandalam vs Bharti AXA Health Insurace
| Cholamandalam | Bharti AXA | |
|---|---|---|
| Claims Settlement Ratio ** | 73.87% | 98.27% |
| Number of Lives Covered * | 27,48,000 | |
| Network Hospitals | 6,000 + | 4,500 + |
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|---|---|---|
| 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 |
