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Religare vs Max Bupa Health Insurance


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Religare health insurance

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Max Bupa health insurance

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  Care Plan Health Premia Gold Health Premia Platinum
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 (if you pay for 2 years 7.5% discount is applicable and for 3rd year premium additional discount 15%. ) 1 year / 2 years (if you pay for 2 years 7.5% discount is applicable and for 3rd year premium additional discount 15%. )
Eligibility criteria Adults from 18 years and above (dependents 91 days to less than 18 years) Adults from 18 to 65 years Adults from 18 to 65 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 Rs.2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 7 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 30 lakhs, 50 lakhs Rs.3 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs
Renewability Renewal for whole life Renewal for whole life Renewal for whole life
In-patient Treatment Covers hospitalisation expenses for room charges, nursing expenses and intensive care unit charges Covered up to sum insured Covered up to sum insured
Pre-hospitalization 30 days 90 days 90 days
Post-hospitalization 60 days 180 days 180 days
Day Care Procedures Covers more than 500 day care procedures All day care procedures are covered All day care procedures are covered
Domiciliary Treatment Covered up to 10% of Sum Insured Covered up to sum insured Covered up to sum insured
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 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)
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
Dental Treatment Not Covered Not covered Not covered
Maternity Benefits Covered up to Rs.1 lakh for only sum insured Rs.50, 60 & 75 lakhs After continuous coverage of 24 months, up to 2 pregnancy
Sum Insured(Rs.)Description
10 lacsCovered up to Rs.70,000
15 lacsCovered up to Rs.75,000
20 lacsCovered up to Rs.80,000
30 lacsCovered up to Rs.1,00,000
50 lacsCovered up to Rs.1,00,000
After continuous coverage of 24 months, up to 2 pregnancy
Sum Insured(Rs.)Description
1 croreCovered up to Rs.2,00,000
2 croreCovered up to Rs.2,00,000
3 croreCovered up to Rs.2,00,000
New Born baby cover Not covered Covered up to sum insured (covered uptill the end of Policy Year) Covered up to sum insured (covered uptill the end of Policy Year)
Health Check-up Every year free health check up for all insured members including childern
Sum InsuredDescription
10,15,20 lacsAnnually covered up to 2,500 per insured person
30 lacsAnnually covered up to 5,000 per insured person
50 lacsAnnually covered up to 7,500 per insured person
Sum InsuredDescription
1 cr, 2 cr, 3 crAnnually covered up to 10,000 per insured person
Pre-existing diseases coverage Covered after a continuous waiting period of 4 years Covered after 24 months of continuous coverage Covered after 24 months of continuous coverage
Restore benefit Yes, up to sum insured Not applicable Not applicable
General waiting period 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus No claim bonus up to 150% of sum insured Increase of 10% of base sum insured each policy year, maximum up to 100% of base sum insured Increase of 10% of base sum insured each policy year, maximum up to 100% of base sum insured
Co-pay If age is 61 years and above, 20% co-payment For Zone2 20% co-payment 20% co-payment
Automatic Recharge of Sum Insured Available up to sum insured Not applicable Not applicable
Portablity Yes (45 days before the renewal) Yes (At the time of renewal) Yes (At the time of renewal)
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D

Plan benefits

Religare health insurance

 Buy online

Max Bupa health insurance

 Hospitals    Buy online
for Individual
    Buy online
for Family
 Buy online

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