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Reliance vs Universal Sompo Health Insurance

Compare Reliance vs Universal Sompo

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
Reliance health gain Reliance health wise reliance infinity Reliance Arogya Sanjeevani universal-sompo universal-sompo
HealthGain
Healthwise
Standard
Silver
Gold
Arogya Sanjeevani
Complete Healthcare
Basic
Essential
Privilege
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
Room Rent
Covered Covered 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 Covered 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
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 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
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 60 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
Covered Covered Covered, No sub-limits 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 Limited to 10% of Sum Insured Covered, No sub-limits Not Covered Covered 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
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 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 Not Covered Not Covered
Ayush Benefit
Not Covered Not Covered ​Covered, No Sub limits Covered Covered up to sum insured Covered
Maternity Benefits
Not covered Not covered 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 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
Standard: Not Covered
Silver & Gold: Covered
​Covered, No Sub-imits Not Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not covered Not covered Not covered Not covered Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less 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
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
Standard & Silver: No Covered
Gold: Rs.250 per day up to 7 days
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 Not Covered NIL for Regular Treatments / Up to 50% for Special Treatments 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
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 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 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 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% 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 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
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 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 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 Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered 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 No Loading No 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
Useful Links
Reliance Universal Sompo
Claims Settlement Ratio ** 80.61% 95.31%
Number of Lives Covered * 22,48,000 1,137,000
Network Hospitals 4,000 + 4,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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