Home / Compare health insurance / Reliance vs Bharti AXA Health Insurance

Reliance vs Bharti AXA Health Insurance

Compare Reliance vs Bharti AXA Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Get insurance updates
Reliance Bharti AXA
Claims Settlement Ratio** 80.61% 98.27%
Number of Lives Covered* 22,48,000
Network Hospitals 4,000 + 4,500 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
reliance reliance reliance reliance Bharti AXA Bharti AXA
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
Health Insurance Priority

India health insurance blogs and articles

Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

India health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »

Portability

Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia Health Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • apollo
  • Star Health
  • max bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

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