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Religare vs Bajaj Allianz Health Insurance


Plan benefits

Religare Care Health Insurance

 Hospitals    Buy online

Bajaj Allianz Health Guard insurance

 Hospitals    Buy online
Policy can be purchased for 1 year / 2 years / 3 years (if purchased for 2 years, a discount of 7.5% is applicable; if purchased for 3 years, a discount of 10% is applicable) 1 year / 2 years / 3 years (if purchased for 2 years, a discount of 4% is applicable; if purchased for 3 years, a discount of 8% is applicable)
Family discount of 10% up to 2 members, 15% for 3 members
Eligibility criteria Adults from 18 years and above (dependents 91 days to less than 18 years) Adults from 18 to 65 years (dependents 3 months to less than 30 years)
Available sum insured options Rs.3 lakhs, 4 lakhs, 5 lakhs, 7 lakhs, 10 lakhs, 15 lakhs, 20lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 60 lakhs and 75 lakhs Health Guard – Silver Plan: Rs.1.5 lakhs, 2 lakhs
Health Guard – Gold Plan: Rs.3 lakhs to 50 lakhs
Renewability Renewal for whole life Renewal for whole life (for dependent children / Grand Children- Renewal up to 35 years)
In-patient Treatment Covers hospitalisation expenses for room charges, nursing expenses and intensive care unit charges Covers hospitalisation expenses due to an illness or accident per policy period
Pre-hospitalization Up to 30 days Up to 60 days
Post-hospitalization Up to 60 days Up to 90 days
Day Care Procedures Covers more than 500 day care procedures All day care procedures are covered
Domiciliary Treatment Covered up to 10% of sum insured Not covered
Organ Donor Expenses Covered up to Rs.50,000, Rs.1,00,000, Rs.2,00,000, Rs.3,00,000 depending on sum insured Covered up to sum insured
Emergency Ambulance Sum insured 3 & 4 lakhs - Up to Rs.1,500
Sum insured 5, 7 & 10 lakhs - Up to Rs.2,000
Sum insured 15, 20, 25, 30 & 40 lakhs - Up to Rs. 2,500
Sum insured 50, 60 & 75 lakhs - Up to Rs. 3,000 (per hospitalization)
Up to Rs 20,000/- per policy year
Dental Treatment Not covered Not covered
Ayush Benefit Not covered Not covered
Maternity Benefits Covered up to Rs.1 lakh for only sum insured Rs.50, 60 & 75 lakhs Normal Delivery: Rs.15,000 & Caesarean Section: Rs.25,000 for sum insured Rs.1.5 lakh & 2 lakh
Normal Delivery: Rs.25,000 & Caesarean Section: Rs.35,000 for sum insured Rs.3 lakhs to 50 lakhs
New Born baby cover Not covered Covered
Daily Cash for Accompanying an Insured Child Not covered Up to Rs.500 per day maximum up to 10 days during each policy year
Vaccination (In case of post bite treatment) Not covered Not covered
Health Check-up Every year free health check up for all insured members including childern Up to 1% of average sum insured after every block of 3 claim free years, maximum of Rs.2,000/- for sum insured Rs.1.5 lacks & 2 lacks and Rs.5,000 for sum insured Rs.3 lacks to 50 lacks (each member in Individual policy and proposer & spouse only under Floater policy)
Hospital daily allowance Rs.500 per day up to 5 days for sum insured Rs.3 & 4 Lakhs Not covered
Pre-existing diseases coverage Covered after a continuous waiting period of 4 years Covered after a waiting period of 3 years
Restore benefit Yes, up to sum insured Not applicable
General waiting period 30 days 30 days
Renewal Benefit / Cumulative Bonus No claim bonus up to 150% of sum insured 10% of base sum insured per annum up to 10 years (if withoutany break no claim in the preceding year)
Co-pay If age is 61 years and above, 20% co-payment 20% Co-payment applicable for any insured person aged 56 years and above, being covered for the first time in the Health Guard policy.
10% co-payment of the admissible claim to be paid by the member if treatment is taken in a non network hospital. Waiver of the co-payment clause is available on payment of additional premium.
Claims loading Not applicable Not applicable
Automatic Recharge of Sum Insured Available up to sum insured Not applicable
Portablity Yes (45 days before the renewal) Yes (At the time of renewal)
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D

Plan benefits

Religare Care Health Insurance

 Hospitals    Buy online

Bajaj Allianz Health Guard insurance

 Hospitals    Buy online

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