Compare Bajaja Allianz vs Aditya Birla Health Insurance Plans
 |
|
 |
|
|---|---|---|---|
| Complete Healthcare | Arogya Sanjeevani | Activ Assure Diamond | Activ Health Platinum |
| BUY NOW | BUY NOW | BUY NOW | BUY NOW |
| In-patient Treatment | |||
| Covered | Covered | Covered | Covered |
| Room Rent | |||
| Covered | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day | 1% of SI per day# - for SI 2 lakhs, 3 lakhs and 4 lakhs Single Private A/C Room - for SI 5 lakhs, 7 lakhs, 10 lakhs Single Private A/C Room - for SI 15 lakhs and above (Upgradable to next level, only if Single Private A/C Room is not available) |
Covered |
| ICU Charges | |||
| Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day | 2% of SI per day - for SI 2 lakhs, 3 lakhs and 4 lakhs Up to SI - for SI 5 lakhs and above |
Covered |
| Pre-hospitalization | |||
| 30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | 30 days | 60 days |
| Post-hospitalization | |||
| 60 days after discharge from the hospital | 60 days after discharge from the hospital | 60 days | 180 days |
| Day Care Procedures | |||
| 141 day care expenses covered | Covered | 586 listed procedures covered up to SI | Covered up to Sum Insured |
| Domiciliary Treatment | |||
| Covered | Not Covered | Up to 10% of SI | Covered up to Sum Insured |
| Emergency Ambulance | |||
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 | 1,500 - for SI 2 lakhs, 3 lakhs, 4 lakhs per event • 2,000 - for SI 5 lakhs - 10 lakhs 2,500 - for SI 15 lakhs - 40 lakhs 3,000 - for SI 50 lakhs - 75 lakhs 5,000 - for SI 1 Crore - 2 Crores |
Available |
| Dental Treatment | |||
| Up to 100% of In-patient treatment sum insured (In case of accident) |
Dental treatment necessitated due to disease or injury | Not Covered | Available for Sum Insured 15 lakhs and above |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Covered up to sum insured | Covered | 15,000 - for SI 2 lakhs, 3 lakhs, 4 lakhs 20,000 - for SI 5 lakhs - 10 lakhs 30,000 - for SI 15 lakhs - 40 lakhs 40,000 - for SI 50 lakhs - 75 lakhs 50,000 - for SI 1 Crore - 2 Crores |
Covered up to Sum Insured |
| Maternity Benefits | |||
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 | Not Covered | Not Covered |
| New Born baby cover | |||
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 | Not Covered | Not Covered |
| Daily Cash for Accompanying an Insured Child | |||
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 | Not Covered | Not Covered |
| Organ Donor Expenses | |||
| Covered | Not Covered | Covered up to sum insured | Covered up to sum insured |
| Vaccination (In case of post bite treatment) | |||
| Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less | Not Covered | Up to 10,000 (Applicable for SI of `1 crore and above) | Not Covered |
| Health Check-up | |||
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 | Annual | Available, once in a policy year |
| Hospital daily allowance | |||
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 | Not Covered | Not Covered |
| Co-pay | |||
| 10% co-pay applicable for treatment in Non Network hospitals | 5% Co pay applicable on all claims | No co-pay | For Sum Insured 3 lakhs and below - Zone II to Zone I: 10% Zone III to Zone II: 15% Zone III to Zone I: 25% For Sum Insured 4 lakhs and above - Not Applicable |
| Pre-existing diseases coverage | |||
| Covered after 3 years of continuous coverage | Covered after a waiting period of 4 years | Covered after a waiting period of 4 years | Pre-existing disease waiting period: 48 months |
| Restore Benefit | |||
| Up to 100% of Base Sum Insured per year | Not Covered | NIL restoration benefit | Not covered |
| General waiting period | |||
| 30 days | 30 days | 30 days | |
| Renewal Benefit / Cumulative Bonus | |||
| 10% every year, maximum up to 50% of sum insured | 5% for every claim free year up to 50% of sum insured | Not covered | |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | Available | Available |
| Available sum insured options | |||
Basic: Rs.1 & 2 Lakhs Essential: Rs.3 to 5 Lakhs Privilege: Rs.6 to 10 Lakhs |
Rs.1 to 5 Lakhs | Rs.2 to 2 Crores | 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, 6 lakhs, 7 lakhs, 8 lakhs, 9 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 30 lakhs, 40 lakhs, 50 lakhs, 100 lakhs, 150 lakhs, 200 lakhs |
| Policy can be purchased for | |||
| 1/2/3 years | 1 year | - | - |
| Eligibility criteria | |||
| Adults from 18 to 70 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) | Individual : Minimum entry age 5 years and there is no maximum age of entry Family Floater : We cover up to 6 members (2 Adults + 4 Children) comprising of Self, Spouse and Dependent children (up to 25 yrs) in a single policy - Dependent children from 91 days to 5 yrs will be covered only if one adult is covered in the floater policy - There is no maximum age of entry |
Family Floater Policy - 91 days – Dependent child - 18 years – Adult, Individual Policy - 5 years |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | - | - |
| Portablity(At the time of renewal) | |||
| Yes | Yes | No | No |
| 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 |
