Care (Formerly Religare) vs Cholamandalam Health Insurance

Compare Care vs Cholamandalam

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 
maternity-health-policy buy-online Cholamandalam Healthline Cholamandalam FlexiHealth Cholamandalam Arogya Sanjeevani
Maternity health insurance - JOY Care(formerly Religare) health insurance - Care Healthline
Maternity health insurance - JOY
Care(formerly Religare) health insurance - Care
Healthline
Value
Freedom
Enrich
Privilege
Flexi Health
Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered Covered Covered
Room Rent
Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day
5 to 10 Lakhs: Single private room
15 to 75 Lakhs: Single private room,upgradable to next level
Single occupancy AC room is allowed for all Sum Insured except for Rs. 1 Lakh / 2Lakhs. For Rs. 1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively.
NIL Room Rent restrictions Covered
ICU Charges
Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
Covered Not Covered Not Covered
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital
30 days 30 days
Post-hospitalization
60 days after discharge from the hospital Up to 60 days
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital
60 days 60 days
Day Care Procedures
Covered Covers more than 540 day Care treatments Covered Covered All day care procedures covered
Domiciliary Treatment
Not Covered Up to 10% of sum insured Covered (Maximum 7 days) Covered Covered
Emergency Ambulance
Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation
5 to 10 Lakhs: Rs.2,000 per hospitalisation
15 to 40 Lakhs: Rs.2,500 per hospitalisation
50 to 75 Lakhs: Rs.3,000 per hospitalisation
Value Healthline: Rs.1,000 per hospitalisation
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 per hospitalisation
Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation Maximum of Rs. 2000 per hospitalisation
Dental Treatment
Not Covered Not Covered
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Not Covered Covered
Bariatric Surgery
Not Covered Not Covered Not Covered Not Covered Not Covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Covered Covered Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy
Maternity Benefits
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 to 40 Lakhs: Not Covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
Value,Freedom & Enrich Healthline: Not Covered;
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)
Not Covered Covered
New Born baby cover
3 Lakhs: Up to Rs.30,000
5 Lakhs: Up to Rs.50,000
Not Covered
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured
Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date Not Covered
Vaccination of the new born baby
Not Covered Covered Not Covered Not Covered Not Covered
Daily Cash for Accompanying an Insured Child
Not Covered Not Covered
Value Healthline& Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilage Healthline: Not Covered
(Additional benefit)
Not Covered Not Covered
Organ Donor Expenses
Not Covered
3 & 4 Lakhs: Up to Rs.50,000
5 to 10 Lakhs: Up to Rs.100,000
15 to 40 Lakhs: Up to Rs.200,000
50 to 75 Lakhs: Up to Rs.300,000
Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Covered Not Covered Covered Not Covered
Health Check-up
Not Covered Covered
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
health check-up - once in every 2 claim-free years No pre-policy health check-up before 50 years of age
Hospital daily allowance
Not Covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days
Value Healthline& Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization)
(Additional benefit)
Daily benefit of `500/- per day towards accompanying person expenses, up to a maximum of 10 days per policy period Not Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered(for age above 55years)
No co-pay Co-pay fixed at 5% for all ages/sum insureds in this policy
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Benefits not available for any pre-existing condition(s) until 48 consecutive months of continuous coverage
Restore Benefit
Not Covered
Recharge up to 100% of Base Sum Insured per year
Not Covered Covered Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days (not applicable on renewal and for accidents)
Renewal Benefit / Cumulative Bonus
Covered(Optional)
10% for every claim free year up to 50% of sum insured
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
10% for every claim-free year up to 50% of sum insured Increase in the Sum Insured by 5% in respect of each claim free year subject to a maximum of 50% of SI
Emergency Air Ambulance
Not Covered
Covered(Optional)
Not Covered Not Covered Not Covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs
Value Healthline: 1 to 10 Lakhs
Freedom Healthline: 2 to 15 Lakhs
Enrich Healthline: 3 to 25 Lakhs
Privilage Healthline: 5 to 25 Lakhs
Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs
Minimum Sum Assured is ₹ 1 Lac
Maximum Sum Assured is ₹ 5 Lacs
(Sum Assured can be opted for in multiples of ₹50,000)
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) 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 90 days to 26 years) Adults from 18 to 65 years and Children 03 months to 26 years Adults from 18 to 65 years and Children 03 months to 25 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Claims loading
No Loading Loading No Loading No Loading No Loading
Portablity(At the time of renewal)
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
Care(formerly Religare) Cholamandalam
Claims Settlement Ratio ** 95.2 % 73.87 %
Number of Lives Covered * 1,07,13,000 1,806,000
Network Hospitals 16,500 + 7,250 +
  • * 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 07/08/2025