Raheja QBE vs Godigit Health Insurace

Compare Raheja QBE vs Godigit Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
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End date
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Raheja QBE Godigit
Claims Settlement Ratio ** 100% 60
Number of Lives Covered * 135 --
Network Hospitals 5,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Raheja QBE Raheja QBE Godigit Godigit
Health QuBE Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
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
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
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 Covered Covered
Pre-hospitalization
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
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
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
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
Covered All the day care treatments
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
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
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Dental Treatment, dentures or surgery of any kind unless necessitated due to an accident Dental treatment, necessitated due to disease or injury
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Not Covered Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Not Covered
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
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
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Avilable only once a year Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
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
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
20% co-pay above 60 years 5% co-pay on all claims
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Covered after a waiting period of 4 years Covered after a waiting period of 4 years
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Up to 100% of Base Sum insured paid for all illness Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
Covered 5% every year, maximum up to 50% of Sum Insured
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Basic: Rs.1 to 50 Lakhs
Comprehensive: Rs.3 to 50 Lakhs
SuperSaver: Rs.1 to 50 Lakhs
Rs.1 to 5 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2/3 years 1 year
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 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 Not Covered Not Covered
Claims loading
Loading No Loading 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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025