Compare Reliance vs HDFC ERGO
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| HealthGain
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Arogya Sanjeevani
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Health Suraksha
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Gold Smart
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Platinum Smart
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| In-patient Treatment | ||||||
| Covers hospitalisation expenses due to an disease/illness/injury | Covered | Covered | Covered | Covered | ||
| Room Rent | ||||||
| Covered | 2% of sum insured, maximum up to Rs.5,000 per day | At Actual | capping on room rent | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day. | ||
| ICU Charges | ||||||
| Covered | 5% of sum insured, maximum up to Rs.10,000 per day | At Actuals | Covered | Up to 5% of sum insured subject to maximum of Rs.10,000 per day | ||
| Pre-hospitalization | ||||||
| Up to 60 days | Up to 30 days | 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 | ||
| Post-hospitalization | ||||||
| Up to 60 days | Up to 60 days | 180 days after discharge from the hospital | 180 days after discharge from the hospital | 60 days after discharge from the hospital | ||
| Day Care Procedures | ||||||
| Covered | All day care procedures are covered | Covered | Covered | Covered | ||
| Domiciliary Treatment | ||||||
| Up to 10% of base sum insured,subject to maximum of Rs.50,000 | Not Covered | Covered | Covered | Covered | ||
| Emergency Ambulance | ||||||
Plan A: Up to Rs.1,500 Plan B: Rs.3,000 per hospitalisation |
Up to Rs.2,000 per hospitalisation | 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 | ||
| Dental Treatment | ||||||
| Not Covered | Dental treatment, necessitated due to disease or an injury | Not Covered | Not Covered | Dental treatment, necessitated due to disease or injury | ||
| Bariatric Surgery | ||||||
| Not covered | Not covered | Not Covered | Not Covered | Not Covered | ||
| Ayush Benefit | ||||||
| Not Covered | Covered | Covered | Covered | Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy |
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| Maternity Benefits | ||||||
| Not covered | Not covered | Covered(Optional) (Waiting period : 3 years) |
Not Covered | Not Covered | ||
| New Born baby cover | ||||||
| Not covered | Not covered | Up to parent care sum insured(Optional) | Not Covered | Not Covered | ||
| Organ Donor Expenses | ||||||
| 50% of Sum Insured up to maximum Rs.5 Lakhs | Not Covered | Covered | Covered | |||
| Vaccination (In case of post bite treatment) | ||||||
| Not covered | Not covered | Not Covered | Not Covered | Not Covered | ||
| Health Check-up | ||||||
| Covered | Not Covered | 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 | ||
| Hospital daily allowance | ||||||
| Not Covered | Not Covered | Covered up to Sum Insured | Covered up to Sum Insured | Not Covered | ||
| Co-pay | ||||||
| NIL for insureds below 61 years/ 20% co-pay for ages above 61 years | 5% Co-pay applicable on all claims | 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 | ||
| Pre-existing diseases coverage | ||||||
| Covered after a waiting period of 3 years | Covered after a waiting period of 4 years | 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 | ||
| Restore Benefit | ||||||
| Up to 100% of Base Sum Insured per year under certain plans | NIL restoration benefit | Sum Insured Rebound upto 100% of Sum Insured per year | Not Covered | Not Covered | ||
| General waiting period | ||||||
| 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 50% | 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% | ||
| Emergency Air Ambulance | ||||||
| Not covered | Not covered | Silver Smart:Not Covered; Gold Smart: Up to 2 lakhs; Platinum Smart : Up to 5 lakhs. |
Not Covered | Not Covered | ||
| 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 | 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 | ||
| Policy can be purchased for | ||||||
| 1 year | 1 year | 1/2/3 Years | 1/2/3 Years | 1 Year | ||
| 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 25 years) | 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 | ||
| Renewability | ||||||
| Renewal for whole life | 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 | Not Covered | ||
| Claims loading | ||||||
| No Loading | No Loading | Loading | Loading | No Loading | ||
| Portablity (At the time of renewal) |
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| 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 | ||
| Useful Links | ||||||
