Care (Formerly Religare) vs Universal Sompo Health Insurace

Compare Care (Formerly Religare) vs Universal Sompo health insurance

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 universal-sompo universal-sompo
Maternity health insurance - JOY
Care(formerly Religare) health insurance - Care
Complete Healthcare
Basic
Essential
Privilege
Arogya Sanjeevani
In-patient Treatment
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
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
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 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 60 days after discharge from the hospital
Day Care Procedures
Covered Covers more than 540 day Care treatments 141 day care expenses covered Covered
Domiciliary Treatment
Not covered Up to 10% of sum insured 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
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less
Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less
Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less
Subject to a maximum of Rs.2,000 per hospitalisation
Dental Treatment
Not covered Not covered Up to 100% of In-patient treatment sum insured
(In case of accident)
Dental treatment necessitated due to disease or injury
Bariatric Surgery
Not covered Not covered Not Covered Not Covered
Ayush Benefit
Not covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha Covered up to sum insured 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)
Basic: Not Covered
Essential:
Normal Delivery: Up to Rs.15,000 or actuals whichever is less
Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
Privilege:
Normal Delivery: Up to Rs.25,000 or actuals whichever is less
Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
(waiting period: 3 years)
Not Covered
New Born baby cover
3 lakhs: Up to Rs 30,000
5 lakhs: Up to Rs 50,000
Not covered
Basic: Not Covered
Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier
Not Covered
Organ Donor Expenses
Not covered
Covered
Covered Not Covered
Vaccination (In case of post bite treatment)
Not covered Covered Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less Not Covered
Health Check-up
Not covered Covered
Individual: 1 Coupon at the end of every claims two continuous claims free year
Family Floater: 2 Coupon at the end of every claims two continuous claims free year
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
Basic: Rs.200 per day
Essential: Rs.500 per day
Privilege: Rs.1,000 per day
(Hospitalisation exceeds 3 days for a maximum number of 7 days)
Not Covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years 10% co-pay applicable for treatment in Non Network hospitals 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 3 years of continuous coverage Covered after a waiting period of 4 years
Restore Benefit
Not covered
Recharge up to 100% of Base sum insured per year
Up to 100% of Base Sum Insured per year Not Covered
General waiting period
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 10% every year, maximum 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 Not Covered
Available sum insured options
3 & 5 Lakhs 3 to 75 Lakhs
Basic: Rs.1 & 2 Lakhs
Essential: Rs.3 to 5 Lakhs
Privilege: Rs.6 to 10 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
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 70 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
Daily Cash for Accompanying an Insured Child
Not covered Not covered
Basic: Not Covered
Essential: Rs.300 per day subject to maximum of Rs.9,000
Privilege: Rs.500 per day subject to maximum of Rs.15,000
Not Covered
Claims loading
No Loading Loading No Loading No Loading
Portablity (At the time of renewal)
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
Useful Links
Care(formerly Religare) Universal Sompo
Claims Settlement Ratio ** 95.2 % 76.67%
Number of Lives Covered * 1,07,13,000 1,137,000
Network Hospitals 16,500 + 4,000 +
  • * 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