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Reliance vs SBI General Health Insurance

Reliance vs SBI General 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
* Name, Email Id & Mobile No. are required 
Reliance SBI General
Claims Settlement Ratio** 80.61% 62.73%
Number of Lives Covered* 22,48,000 27,48,000
Network Hospitals 4,000 + 6,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
reliance reliance reliance reliance SBI General SBI General SBI General SBI General
HealthGain Healthwise Health Infinity Arogya Sanjeevani Retail Health Arogya Premier Arogya Plus Arogya Sanjeevani
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 Covered Covered Covered
Room Rent
Covered Covered Covered 2% of sum insured, maximum up to Rs.5,000 per day 1% of sum insured per day Covered Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered Covered Covered 5% of sum insured, maximum up to Rs.10,000 per day 2% of sum insured per day Covered Covered Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
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 Up to 30 days Up to 60 days Up to 60 days 30 days before the date of admission to the hospital
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 Up to 60 days Up to 90 days Up to 90 days 60 days after discharge from the hospital
Day Care Procedures
Covered Covered Covered, No sub-limits All day care procedures are covered 142 day care expenses covered 142 day care expenses covered 142 day care expenses covered All the day care treatments
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 20% of the sum insured maximum up to Rs.20,000 Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Insurer will cover reasonable and customary charges towards domiciliary hospitalisation Not Covered
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 1% of sum insured per policy period up to a maximum of Rs.1,500 Actual Actual ambulance expenses or Rs.1,500 Subject to a maximum of Rs.2,000 per hospitalisation.
Dental Treatment
Not Covered Dental treatment, necessitated due to disease or an injury Not Covered Dental treatment, necessitated due to disease or an injury Covered Covered Covered Dental treatment necessitated due to disease or injury
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Not Covered Not Covered ​Covered, No Sub limits Covered Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000
Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000
Covered Covered Covered
Maternity Benefits
Not Covered Not Covered Not Covered Not Covered Not Covered Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy Covered but only under OPD section and up to OPD Limit specified in policy schedule. Not Covered
New Born baby cover
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered Not Covered Not Covered Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period 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 Covered Not Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
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 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year Rs.5,000 for every 4 claims free year Not Covered Not Covered
Hospital daily allowance
Not Covered
Standard & Silver: No Covered
Gold: Rs.250 per day up to 7 days
Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
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 No co-pay for treatment in Network / 10% in Non Network Hospitals No co-pay for all treatment No co-pay for all treatment 5% Co-pay applicable on all claims
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 a waiting period of 4 years Covered after a waiting period of 4 years Covered after a waiting period of 4 years
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 Not Covered Covered up to 100% of base sum insured Covered up to 100% of base sum insured Not Covered
General waiting period
30 days 30 days 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% 5% every year, maximum up to 25% of sum insured 10% every year, maximum up to 50% of sum insured Not Covered 5% every year, maximum up to 25% of sum insured
Emergency Air Ambulance
Not Covered Not Covered Not Covered Not Covered Not Covered Up to Rs.100,000 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 Rs.3 Lakhs to 1 Crore Rs.1 to 5 Lakhs Rs.50,000 to 5 Lakhs Rs.10 to 30 Lakhs Rs.1 to 3 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1 year 1 year 1/2/3 years​ 1 year 1/2/3 years 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 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) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 115 years (dependents 91 days to 17 years) Adults from 18 to 75 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 Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading No Loading No Loading No Loading No Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
Yes Yes 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 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