Compare Reliance vs Bharti AXA Health Insurance Plans
| Reliance | Bharti AXA | |
|---|---|---|
| Claims Settlement Ratio** | 80.61% | 98.27% |
| Number of Lives Covered* | 22,48,000 | |
| Network Hospitals | 4,000 + | 4,500 + |
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| HealthGain | Healthwise | Health Infinity | Arogya Sanjeevani | Smart Health Assure | Smart Super Health |
| In-patient Treatment | |||||
| Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury | Covered, No sub-limits | Covered | Covered up to sum insured | Covered up to sum insured |
| Room Rent | |||||
| Covered | Covered | Covered | 2% of sum insured, maximum up to Rs.5,000 per day | Covered | Covered |
| ICU Charges | |||||
| Covered | Covered | Covered | 5% of sum insured, maximum up to Rs.10,000 per day | Covered | Covered |
| Pre-hospitalization | |||||
| Up to 60 days | Standard: 30 days before the date of admission to the hospital Silver & Gold: 60 days before the date of admission to the hospital |
Covered up to 90 days | Up to 30 days | 60 days(Covered up to sum insured) | 60 days(Covered up to sum insured) |
| Post-hospitalization | |||||
| Up to 60 days | Standard: 60 days after discharge from the hospital Silver & Gold: 90 days after discharge from the hospital |
Covered up to 90 days | Up to 60 days | 90 days(Covered up to sum insured) | 90 days(Covered up to sum insured) |
| Day Care Procedures | |||||
| Covered | Covered | Covered, No sub-limits | All day care procedures are 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 | |||||
| Up to 10% of base sum insured,subject to maximum of Rs.50,000 | Limited to 10% of Sum Insured | Covered, No sub-limits | Not Covered | Covered up to sum insured | Covered up to sum insured |
| Emergency Ambulance | |||||
Plan A: Up to Rs.1,500 Plan B: Rs.3,000 per hospitalisation |
Standard: 500 per hospitalisation Silver: 750 per hospitalisation Gold: 1,000 per hospitalisation |
Covered, No sub-limits | Up to Rs.2,000 per hospitalisation | Rs.3,000 per event | Rs.3,000 per event |
| Dental Treatment | |||||
| Not Covered | Dental treatment, necessitated due to disease or an injury | Not Covered | Dental treatment, necessitated due to disease or an injury | As per specified limit and plan opted | Not Covered |
| Bariatric Surgery | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||||
| Not Covered | Not Covered | Covered, No Sub limits | Covered | Covered up to sum insured | Covered up to sum insured |
| Maternity Benefits | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Covered | Covered |
| New Born baby cover | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Covered | Covered |
| Daily Cash for Accompanying an Insured Child | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Organ Donor Expenses | |||||
| 50% of Sum Insured up to maximum Rs.5 Lakhs | Standard: Not Covered Silver & Gold: Covered |
Covered, No Sub-imits | Not Covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | |||||
| Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | As per specified limit and plan opted |
| Health Check-up | |||||
| Covered | Individual: Covered up to 1% of sum insured Family Floater: Covered up to 1.25% of sum insured |
Annual health check-up is avilable | Not Covered | Annual health check-up available | Annual health check-up available |
| Hospital daily allowance | |||||
| Not Covered | Standard & Silver: No Covered Gold: Rs.250 per day up to 7 days |
Not Covered | Not Covered | As per specified limit and plan opted | As per specified limit and plan opted |
| Co-pay | |||||
| NIL for insureds below 61 years/ 20% co-pay for ages above 61 years | Not Covered | NIL for Regular Treatments / Up to 50% for Special Treatments | 5% Co-pay applicable on all claims | NIL co-pay | NIL co-pay |
| Pre-existing diseases coverage | |||||
| Covered after a waiting period of 3 years | Standard: Covered after a waiting period of 4 years Silver & Gold: covered after 2 years of continuous coverage |
Covered after a waiting period of 3 years | Covered after a waiting period of 4 years | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage |
| Restore Benefit | |||||
| Up to 100% of Base Sum Insured per year under certain plans | NIL restoration benefit | Up to 100% of Base Sum Insured per year under certain plans | NIL restoration benefit | Up to 100% of Base Sum Insured | Up to 100% of Base Sum Insured |
| General waiting period | |||||
| 30 days | 30 days | 30 days | 30 days | 30 days | 30 days |
| Renewal Benefit / Cumulative Bonus | |||||
| 33.33% increase in Base Sum Insured for every claim free year; maximum up to 100% | 5% on base sum insured for every claim free year and up to 20% | Not Covered | 5% on base sum insured for every claim free year and up to 50% | 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 | Not Covered | Not Covered | Not Covered | As per specified limit and plan opted |
| Available sum insured options | |||||
Plan A: Rs.3 to 9 Lakhs Plan B: Rs.12 lac,15 lac & 18 Lakhs |
Rs.1 to 5 Lakhs | Rs.3 Lakhs to 1 Crore | Rs.1 to 5 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 year | 1 year | 1/2/3 years | 1 year | 1/2/3 years | 1/2/3 years |
| Eligibility criteria | |||||
| 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 65 years (dependents 3 months to less than 18 years) | Adults from 18 to 65 years (dependents 3 months to less than 25 years) | Adults from 18 to 65 years (dependents 3 months to less than 25 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 | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Claims loading | |||||
| No Loading | No Loading | No Loading | No Loading | Loading | Loading |
| Portablity(At the time of renewal) | |||||
| Yes | 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 | Income tax benefit under section 80D |
