HDFC ERGO vs Raheja QBE Health Insurance

Compare HDFC ERGO vs Raheja QBE Health Insurance Plans
Plan Type
Health
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HDFC Ergo Raheja QBE
Claims Settlement Ratio ** 62.73% 100%
Number of Lives Covered * 27,48,000 135
Network Hospitals 6,000 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Hdfc ergo Hdfc ergo Hdfc ergo Raheja QBE Raheja QBE
Health Suraksha Health Suraksha Silver Arogya Sanjeevani Health QuBE Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Covered
Room Rent
At Actual capping on room rent Up to 2% of the sum insured subject to maximum of Rs.5,000 per day.
Basic: 1% of sum insured
Comprehensive: No Limit
Super Saver: 1% of sum insured
Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
At Actuals Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Basic: 2% of sum insured
Comprehensive: No Limit
SuperSaver: 2% of sum insured
Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
60 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Basic:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
Comprehensive:
3 to 50 Lakhs: 60 days
SuperSaver:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
30 days before the date of admission to the hospital
Post-hospitalization
180 days after discharge from the hospital 180 days after discharge from the hospital 60 days after discharge from the hospital
Basic:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
Comprehensive:
3 to 50 Lakhs: 90 days
SuperSaver:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
60 days after discharge from the hospital
Day Care Procedures
Covered Covered Covered Covered All the day care treatments
Domiciliary Treatment
Covered Covered Covered
Basic:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Comprehensive:
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
SuperSaver:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Not Covered
Emergency Ambulance
Silver Smart: Rs.2,000
Gold Smart: Rs.3,500
Platinum Smart: Sum insured 20 to 50 lakhs: Rs.3,500;
Sum insured 50 & 75 lakhs : Rs.15,000
Covered Maximum of Rs.2,000 per hospitalisation
Basic:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Comprehensive:
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
SuperSaver:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisatio
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Covered up to Rs.2,000 per hospitalisation
Dental Treatment
Not Covered Not Covered Dental treatment, necessitated due to disease or injury Dental Treatment, dentures or surgery of any kind unless necessitated due to an accident Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered Covered
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy
Not Covered Covered
Maternity Benefits
Covered(Optional)
(Waiting period : 3 years)
Not Covered Not Covered
Not Covered
Not Covered
New Born baby cover
Up to parent care sum insured(Optional) Not Covered Not Covered Not Covered Not Covered
Organ Donor Expenses
Covered Covered Not Covered
Basic:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Comprehensive:
3 to 50 Lakhs: 20% of sum insured
SuperSaver:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Covered
1% of Sum Insured after every 4 consecutive and continuous claim free years with us (Subject to a maximum up to Rs.5,000)
Not Covered Avilable only once a year Not Covered
Hospital daily allowance
Covered up to Sum Insured Covered up to Sum Insured Not Covered
Basic:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Comprehensive:
3 to 50 Lakhs: Not Covered
SuperSaver:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Not Covered
Co-pay
Silver Smart: No co-pay for all treatment, Optional Co pay available between 10%/20%;
Gold Smart : No co-pay for all treatment, Optional Co pay available between 15%/25%;
Platinum Smart: No co-pay for all treatment, Optional Co pay available between 15%/25%
NIL / co-pay applicable upto 20% for treatment in higher class cities 5% co-pay on all claims 20% co-pay above 60 years 5% co-pay on all claims
Pre-existing diseases coverage
Pre-existing diseases covered after 3 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Covered after a waiting period of 4 years Covered after a waiting period of 4 years
Restore Benefit
Sum Insured Rebound upto 100% of Sum Insured per year Not Covered Not Covered Up to 100% of Base Sum insured paid for all illness Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Silver Smart & Gold Smart: 10% on base sum insured for every claim free year and up to 100%;
Platinum Smart: 25% on base sum insured for every claim free year and up to 200%
5% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50% Covered 5% every year, maximum up to 50% of Sum Insured
Emergency Air Ambulance
Silver Smart:Not Covered;
Gold Smart: Up to 2 lakhs;
Platinum Smart : Up to 5 lakhs.
Not Covered Not Covered Not Covered Not Covered
Available sum insured options
Silver Smart: Rs.3 to 5 Lakhs
Gold Smart: Rs.7.5 to 15 Lakhs
Platinum Smart: Rs.20 to 75 Lakhs
Rs.3 to 50 Lakhs Rs.1 to 5 Lakhs
Basic: Rs.1 to 50 Lakhs
Comprehensive: Rs.3 to 50 Lakhs
SuperSaver: Rs.1 to 50 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2/3 Years 1/2/3 Years 1 Year 1/2/3 years 1 year
Eligibility criteria
Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals Adults from 18 to 65 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 Renewal for whole life
Claims loading
Loading Loading No Loading Loading 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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025