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Religare vs Max Bupa Health Insurance

Compare Religare vs Max Bupa Health Insurance
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
maternity-health-policy buy-online Max Bupa Heartbeat Max Bupa premia Max Bupa Companion Max Bupa Go-Active
Maternity health insurance - JOY Religare health insurance - Care Heartbeat Premia Companion Go-Active
Claims Settlement Ratio (Data as per NL25 published by the insurance company on their website)
93.44% 93.44% 85.96% 85.96% 85.96% 85.96%
Number of Lives Covered (Data as per IRDAI Report for 2018-19)
1,07,13,000 1,07,13,000 54,33,000 54,33,000 54,33,000 54,33,000
Network Hospitals
7,400+ 7,400+ 4,500 + 4,500 + 4,500 + 4,500 +
In-patient Treatment
Covers medical expenses during hospitalization period of more than 24 hours.(charges of room, nursing, doctor, ICU, operation theatre) Hospitalisation expenses such as room rent, nursing expenses, ICU charges, surgeon’s fees, doctor’s fees, anaesthesia, blood, oxygen, operation theater charges, etc. Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured
Room Rent
Actual 1% of SI per day for 3, 4 Lacs Gold - Covered up to Sum Insured (except for Suite or above room category)
Platinum - Covered up to Sum Insured
Silver and Gold : Covered up to Sum Insured (except for Suite or above room category)
Platinum : Covered up to Sum Insured
Covered up to Sum Insured (except for Suite or above room category) 4 Lakhs : Upto 1% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)(Limit included in Inpatient Care SI)
ICU Charges
Not covered 2% of SI per day for only for 3 & 4 Lacs Covered up to Sum Insured Covered Covered 4 Lakhs : Upto 2% of base sum insured per day
5 to 25 Lakhs : No restriction (except suite or above room category)
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days 60 days
(Covered upto sum insured)
90 days before the date of admission to the hospital 30 days before the date of admission to the hospital 90 days before the date of admission to the hospital
Post-hospitalization
60 days after discharge from the hospital Up to 60 days 90 days
(Covered upto sum insured)
180 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day Care treatments Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured
Domiciliary Treatment
Not covered Up to 10% of sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Emergency Ambulance
Up to a limit of 1000 per claim 1,500 to 3000/hospitalization Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs. 2,000 per event
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs. 2,000 per event
Upto Rs 3,000 per hospitalisation Upto Rs 3,000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered Out patient dental treatment is covered Covered except for inpatient hospitalization due to an Accident. Not covered
Bariatric Surgery
Not covered Not covered Not covered Silver : Not Available
Gold : Covered up to Rs 1,00,000(waiting period 3 Years)
Platinum : Covered up to Rs 1,50,000(waiting period 3 Years)
Not covered Not covered
Ayush Benefit
Not Covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha covered Covered Covered Upto Reasonable and Customary Charges Covered Ayurveda, Unani, Sidha and Homeopathy
Maternity Benefits
Available only up to 45 years of age Covers up to INR 1 Lakh with sum insured options of INR 50,60 & 75 Lakhs Gold - 5 lakhs : Covered Upto Rs.40,000/-
7.5 lakhs : Covered Upto Rs.60,000/-
10 lakhs : Covered Upto Rs.70,000/-
15 lakhs : Covered Upto Rs.75,000/-
20 lakhs : Covered Upto Rs.80,000/-
30 lakhs & 50 lakhs : Covered Upto Rs.1,00,000/-
Platinum - 15 lakhs : Covered Upto Rs.120,000/-
20 lakhs : Covered Upto Rs.160,000/-
50 lakhs & 1 crore : Covered Upto Rs.200,000/-
(After continuous coverage of 24 months, up to 2 pregnancy)
Silver - 5 lakhs : Covered Upto Rs.40,000/-
7.5 lakhs : Covered Upto Rs.60,000/-
Gold - 10 lakhs : Covered Upto Rs.70,000/-
15 lakhs : Covered Upto Rs.75,000/-
20 lakhs : Covered Upto Rs.80,000/-
30 lakhs & 50 lakhs : Covered Upto Rs.1,00,000/-
Platinum - 1 crore to 3 crores : Covered Upto Rs.200,000/-
(After continuous coverage of 24 months, up to 2 pregnancy)
Not covered Not covered
New Born baby cover
Sum insured of 3 lakhs: Rs 35,000 maximum
Sum insured of 5 lakhs: Rs 50,000 maximum
Not covered Covered upto sum insured Covered upto sum insured Not covered Not covered
Organ Donor Expenses
Not covered Covers from Rs.50,000 to Rs.3,00,000 Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not covered Covered Not covered Not covered Varient1 ( 2 to 4 Lakhs) : Upto Rs.2500/-
Varient2 ( 5 to 12.5 Lakhs) : Upto Rs.5000/-
Varient3 ( 15 to 100 Lakhs) : Upto Rs.7500/- (OPD benefit upto defined limit as part of overall limit)
Not covered
Health Check-up
Not covered Covered Gold - 5 lakhs : Annually covered upto Rs.1,250/- per insured person
7.5 lakhs : Annually covered upto Rs.1,875/- per insured person
10 lakhs to 50 lakhs : Annually covered upto Rs.2,500/- per insured person
( Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year
Platinum - 15 lakhs : Annually covered upto Rs.3,750/- per insured person
20 lakhs to 1 crore : Annually covered upto Rs.5,000/- per insured person
Silver (5 Lakhs) : covered up to worth Rs 1,250/- per Insured Person
Silver (7.5 Lakhs) : covered up to worth Rs 1,875/- per Insured Person
Gold (10 to 20 Lakhs): covered up to worth Rs 2,500/- per Insured Person
Gold (30 Lakhs) : covered up to worth Rs 5,000/- per Insured Person
Gold (50 Lakhs) : covered up to worth Rs 7,500/- per Insured Person
Platinum (1crore to 3Crores) : covered up to worth Rs 10,000/- per Insured Person
Varient1 ( 2 to 4 Lakhs) : once in every 2years
Varient2 & Varient3 : Once in every Year
Available
Hospital daily allowance
Not covered 500/day up to 5 days Gold : Rs. 3,000/- per day
Platinum : Rs. 6,000/- per day
( Minimum 48 hrs of continuous hospitalization required coverage offered for 30 days/policy year)
Silver : Rs. 3,000/- per day
Gold : Rs. 5,000/- per day
Platinum : Rs. 7,500/- per day
Varient1 : Rs. 1,000/- per day
Varient2 : Rs. 2,000/- per day
Varient3 : Rs. 4,000/- per day
(Min 48hrs contineous hospitalisation required)
Not covered
Co-pay
Sum Insured 5 lakhs & above (If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.) Sum Insured 5 lakhs & above (20% of the claim amount If you are 61 years old or more) Options of 10% and 20% co-payment NIL co-pay for all inpatients, Upto 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment NIL co-pay for all inpatients, Upto 20% for OPD & other treatments
Pre-existing diseases coverage
Pre-existing diseases covered after 48 months of continuous coverage. Pre-existing diseases covered after 48 months of continuous coverage. Pre-existing diseases covered after 2 years of continuous coverage. Pre-existing diseases covered after 4 years of continuous coverage. Pre-existing diseases for 2 to 4 Lakhs is covered after 4 years and for 5 to 100 Lakhs is covered after 3 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage.
Restore Benefit
Not applicable Not applicable Upto 100% of Base Sum Insured per year Upto 100% of Base Sum Insured per year Upto 100% of Base Sum Insured per year Upto 100% of Base Sum Insured per year
General waiting period
30 days for any illness except accident
9 monthsfor maternity
2 years for specific treatements/illnesses
4 years for pre-existing diseases
30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Lifelong Renewability Lifelong Renewability 10% on base sum insured for every claim free year and up to 100%. 10% on base sum insured for every claim free year and up to 100%. 20% on base sum insured for every claim free year and up to 100%. Not Covered
Emergency Air Ambulance
Not covered Not covered Gold - Not covered
Platinum - covered up to Sum Insured
covered up to Sum Insured Not covered Not covered
Available sum insured options
3 lac & 5 lac 2- 60 lacs Gold - 5 lakhs to 50 lakhs
Platinum - 15 lakhs to 1 crore
Silver - 5 Lakhs to 7.5 Lakhs
Gold - 10 Lakhs to 50 Lakhs
Platinum - 1crore to 3 crores
Varient1 - 2 Lakhs to 4 Lakhs
Varient2 - 5 Lakhs to 12.5 Lakhs
Varient3 - 15 Lakhs to 100 Lakhs
1 Lakh to 25 Lakhs
Policy can be purchased for
3 years 1 to 3 years 1 year /2 years 1 year /2 years /3 years 1 year /2 years 1 year /2 years /3 years
Eligibility criteria
Minimum:91 days
Maximum:No age bar
For adults-18 years For children- 1 day to 24 years Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 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 If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours.
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

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