Compare Care vs SBI General
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| Maternity health insurance - JOY
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Care(formerly Religare) health insurance - Care
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Retail Health
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Arogya Premier
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Arogya Plus
Arogya Plus Plan1
Arogya Plus Plan2
Arogya Plus Plan3
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Arogya Sanjeevani
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| 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 |
1% of sum insured per day | Covered | Covered | Up to 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 |
2% of sum insured per day | Covered | Covered | Up to 5% of the 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 | Up to 30 days | Up to 60 days | Up to 60 days | 30 days before the date of admission to the hospital |
| Post-hospitalization | |||||
| 60 days after discharge from the hospital | Up to 60 days | Up to 60 days | Up to 90 days | Up to 90 days | 60 days after discharge from the hospital |
| Day Care Procedures | |||||
| Covered | Covers more than 540 day care treatments | 142 day care expenses covered | 142 day care expenses covered | 142 day care expenses covered | All the day care treatments |
| Domiciliary Treatment | |||||
| Not Covered | Up to 10% of sum insured | 20% of the sum insured maximum up to Rs.20,000 | Insurer will cover reasonable and customary charges towards domiciliary hospitalisation | Insurer will cover reasonable and customary charges towards domiciliary hospitalisation | 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 sum insured per policy period up to a maximum of Rs.1,500 | Actual | Actual ambulance expenses or Rs.1,500 | Subject to a maximum of Rs.2,000 per hospitalisation. |
| Dental Treatment | |||||
| Not Covered | Not Covered | Covered | Covered | 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 | Ayurvedic medicine: Covered up to maximum 15% of sum insured per policy period up to a maximum of Rs.20,000 Homeopathic and Unani system of medicine: Covered up to maximum 10% of sum insured per policy period up to a maximum of Rs.15,000 |
Covered | Covered | Covered |
| Maternity Benefits | |||||
3 Lakhs: Up to Rs.35,000 5 Lakhs: Up to Rs.50,000(Waiting period : 9 months) |
3 & 4 Lakhs: Not Covered 5 to 10 Lakhs: Not Covered 15 to 40 Lakhs: Not Covered 50 to 75 Lakhs: Covered (Waiting period: 24 months) |
Not Covered | Reasonable and customary charges towards maternity expenses during hospitalisation are covered after first 9months from the date of inception of first policy | Covered but only under OPD section and up to OPD Limit specified in policy schedule. | Not Covered |
| New Born baby cover | |||||
3 lakhs: Up to Rs 30,000 5 lakhs: Up to Rs 50,000 |
Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Vaccination of the new born baby | |||||
| Not Covered | Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Daily Cash for Accompanying an Insured Child | |||||
| Not Covered | Not Covered | Rs.500 for each completed day of hospitalisation of a child below 10 years of age, subject to maximum of 30 days during the policy period | Not Covered | Not Covered | Not Covered |
| Organ Donor Expenses | |||||
| Not Covered | Covered(Optional) |
Covered | Covered | Not Covered | Not Covered |
| Cataract Treatment | |||||
| Not Covered | Not Covered | 15% of the sum insured subject to a maximum of Rs.25,000 per eye | Not Covered | Not Covered | 25% of sum insured or Rs.40,000, whichever is lower, per each eye in one policy year |
| Vaccination (In case of post bite treatment) | |||||
| Not Covered | Covered | Not Covered | Not Covered | Not Covered | Not Covered |
| Health Check-up | |||||
| Not Covered | Covered | 1% of sum insured up to a maximum of Rs.2,500 for every 4 claims free year | Rs.5,000 for every 4 claims free year | Not 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 | Not Covered | Not Covered | Not Covered | Not Covered |
| Co-pay | |||||
| 20% co-pay above 60 years | 20% co-pay above 60 years | No co-pay for treatment in Network / 10% in Non Network Hospitals | No co-pay for all treatment | No co-pay for all treatment | 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 a waiting period of 4 years | Covered after a waiting period of 4 years | Covered after a waiting period of 4 years |
| Restore Benefit | |||||
| Not Covered | Recharge Upto 100% of Base Sum Insured per year |
Not Covered | Covered up to 100% of base sum insured | Covered up to 100% of base sum insured | Not Covered |
| 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 | 5% every year, maximum up to 25% of sum insured | 10% every year, maximum up to 50% of sum insured | Not Covered | 5% every year, maximum up to 25% of sum insured |
| Emergency Air Ambulance | |||||
| Not Covered | Covered (Optional) |
Not Covered | Up to Rs.100,000 | Not Covered | Not Covered |
| Available sum insured options | |||||
| Rs.3 & 5 Lakhs | Rs.3 to 75 Lakhs | Rs.50,000 to 5 Lakhs | Rs.10 to 30 Lakhs | Rs.1 to 3 Lakhs | Rs.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 115 years (dependents 91 days to 17 years) | Adults from 18 to 115 years (dependents 91 days to 17 years) | Adults from 18 to 75 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 |
| Claims loading | |||||
| No Loading | Loading | No Loading | Loading | 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 |
| Useful Links | |||||
| Care(Formarly Religare) | SBI General | |
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| Claims Settlement Ratio** | 95.2 % | 62.73% |
| Number of Lives Covered* | 1,07,13,000 | 27,48,000 |
| Network Hospitals | 16,500 + | 6,000 + |
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