Care (Formerly Religare) vs New India Assurance Health Insurance

Compare Care(formerly Religare) vs New India Assurance Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Religare New India Assurance
Claims Settlement Ratio ** 80.61% 97.32%
Number of Lives Covered * 22,48,000 8,75,61,000
Network Hospitals 4,000 + 3,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy Health-care New India Assurance New India Assurance New India Assurance New India Assurance
Maternity health insurance - JOY Religare health insurance - Care Mediclaim Premier Mediclaim Floater Mediclaim Arogya Sanjeevani
In-patient Treatment
Covered 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
Not exceeding 1% of the sum insured per day Covered Not exceeding 1% of the sum insured per day 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
Not exceeding 2% of the Sum Insured per day Covered Not exceeding 2% of the Sum Insured per day Up to 5% of sum insured subject to maximum of Rs.10,000 per day
Pre-hospitalization
30 days before the date of admission to the hospital Up to 30 days 30 days before the date of admission to the hospital 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
60 days after discharge from the hospital Up to 60 days 60 days after discharge from the hospital 90 days after discharge from the hospital 60 days after discharge from the hospital 60 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day Care treatments 139 Day Care procedures are covered Covered Covered Covered
Domiciliary Treatment
Not Covered Up to 10% of sum insured Not Covered Not Covered Not Covered Not 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
1% of the Sum Insured Covered 1% of the Sum Insured Rs.2,000 per hospitalisation
Dental Treatment
Not Covered Not Covered Not Covered Not Covered Not Covered 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 Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Up to 25% of sum insured Up to 20% of Sum Insured Up to 25% of sum insured Covered
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)
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Plan A: Up to Rs.50,000
Plan B: Up to Rs.100,000
5 Lakhs and Above: 10% of the sum insured(Waiting period: 36 months)
(Optional)
Not Covered
New Born baby cover
3 Lakhs: Up to Rs.30,000
5 Lakhs: Up to Rs.50,000
Not Covered Covered Covered for any Illness or Injury 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 hospitalisation expenses
(excluding cost of organ)
Covered hospitalisation expenses
(excluding cost of organ)
Not Covered
Vaccination (In case of post bite treatment)
Not Covered Covered Not Covered Not Covered Not Covered Not Covered
Health Check-up
Not Covered Covered Health check up for every 3 claim free years Health check up for every 3 claim free years Covered Not Covered
Hospital daily allowance
Not Covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured
Plan A: Rs.2,000 per day
Plan B: Rs.4,000 per day
0.1% Sum Insured per day, up to a maximum of 1% Sum Insured Not Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years Option of Co-pay upto 20% on certain mediclaim plans NIL Co-pay under this plan NIL Co-pay under this plan 5% Co pay applicable on all claims
Pre-existing diseases coverage
Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage Covered after 3 years of continuous coverage Covered after 4 years of continuous coverage Covered after 4 years of continuous coverage
Restore Benefit
Not Covered
Recharge up to 100% of Base Sum Insured per year
NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit NIL Restoration benefit
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Covered(Optional)
10% for every claim free year up to 50% of sum insured 25% for every claim free year up to 50% of sum insured Not Covered 25% for every claim free year up to 50% of sum insured 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not Covered
Covered(Optional)
Not Covered Up to Rs. 1,00,000 for any one illness Not Covered Not Covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs 1 to 15 Lakhs 15 Lakhs to 1 Crore 2 to 15 Lakhs 1 to 5 Lakhs
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 1 year
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 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 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 Not Covered Not Covered
Claims loading
No Loading 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 07/08/2025