Compare Reliance vs Universal Sompo
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| HealthGain
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Arogya Sanjeevani
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Complete Healthcare
Basic
Essential
Privilege
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Arogya Sanjeevani
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| In-patient Treatment | |||||
| Covers hospitalisation expenses due to an disease/illness/injury | Covered | Covered | Covered | ||
| Room Rent | |||||
| Covered | 2% of sum insured, maximum up to Rs.5,000 per day | Covered | 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 | Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day | ||
| Pre-hospitalization | |||||
| Up to 60 days | Up to 30 days | 30 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 | 60 days after discharge from the hospital | 60 days after discharge from the hospital | ||
| Day Care Procedures | |||||
| Covered | All day care procedures are covered | 141 day care expenses covered | Covered | ||
| Domiciliary Treatment | |||||
| Up to 10% of base sum insured,subject to maximum of Rs.50,000 | Not Covered | Covered | Not Covered | ||
| Emergency Ambulance | |||||
Plan A: Up to Rs.1,500 Plan B: Rs.3,000 per hospitalisation |
Up to Rs.2,000 per hospitalisation | Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less |
Subject to a maximum of Rs.2,000 per hospitalisation | ||
| Dental Treatment | |||||
| Not Covered | Dental treatment, necessitated due to disease or an injury | Up to 100% of In-patient treatment sum insured (In case of accident) |
Dental treatment necessitated due to disease or injury | ||
| Bariatric Surgery | |||||
| Not covered | Not covered | Not Covered | Not Covered | ||
| Ayush Benefit | |||||
| Not Covered | Covered | Covered up to sum insured | Covered | ||
| Maternity Benefits | |||||
| Not covered | Not covered | Basic: Not Covered Essential: Normal Delivery: Up to Rs.15,000 or actuals whichever is less Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less Privilege: Normal Delivery: Up to Rs.25,000 or actuals whichever is less Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less (waiting period: 3 years) |
Not Covered | ||
| New Born baby cover | |||||
| Not covered | Not covered | Basic: Not Covered Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier |
Not Covered | ||
| Organ Donor Expenses | |||||
| 50% of Sum Insured up to maximum Rs.5 Lakhs | Not Covered | Covered | Not Covered | ||
| Vaccination (In case of post bite treatment) | |||||
| Not covered | Not covered | Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less | Not Covered | ||
| Health Check-up | |||||
| Covered | Not Covered | Individual: 1 Coupon at the end of every claims two continuous claims free year Family Floater: 2 Coupon at the end of every claims two continuous claims free year |
Not Covered | ||
| Hospital daily allowance | |||||
| Not Covered | Not Covered | Basic: Rs.200 per day Essential: Rs.500 per day Privilege: Rs.1,000 per day (Hospitalisation exceeds 3 days for a maximum number of 7 days) |
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 | 10% co-pay applicable for treatment in Non Network hospitals | 5% Co pay applicable on all claims | ||
| Pre-existing diseases coverage | |||||
| Covered after a waiting period of 3 years | Covered after a waiting period of 4 years | Covered after 3 years of continuous coverage | 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 | Not Covered | ||
| General waiting period | |||||
| 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% | 10% every year, maximum up to 50% of sum insured | 5% for every claim free year up to 50% of sum insured | ||
| Emergency Air Ambulance | |||||
| Not covered | Not covered | 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 | Basic: Rs.1 & 2 Lakhs Essential: Rs.3 to 5 Lakhs Privilege: Rs.6 to 10 Lakhs |
Rs.1 to 5 Lakhs | ||
| Policy can be purchased for | |||||
| 1 year | 1 year | 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 to 70 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 | ||
| Daily Cash for Accompanying an Insured Child | |||||
| Not covered | Not covered | Basic: Not Covered Essential: Rs.300 per day subject to maximum of Rs.9,000 Privilege: Rs.500 per day subject to maximum of Rs.15,000 |
Not Covered | ||
| Claims loading | |||||
| No Loading | No Loading | No Loading | No Loading | ||
| Portablity (At the time of renewal) |
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| 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 | ||
| Useful Links | |||||
| Reliance | Universal Sompo | |
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| Claims Settlement Ratio ** | 80.61% | 95.31% |
| Number of Lives Covered * | 22,48,000 | 1,137,000 |
| Network Hospitals | 4,000 + | 4,000 + |
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