Compare Universal Sompo vs Bharti AXA Health Insurance Plans
| Universal Sompo | Bharti AXA | |
|---|---|---|
| Claims Settlement Ratio** | 95.31% | 98.27% |
| Number of Lives Covered* | 11,37,000 | |
| Network Hospitals | 4,000 + | 4,000 + |
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|---|---|---|---|
| Complete Healthcare | Arogya Sanjeevani | Smart Health Assure | Smart Super Health |
| In-patient Treatment | |||
| Covered | Covered | Covered up to sum insured | Covered up to sum insured |
| Room Rent | |||
| Covered | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day | Covered | Covered |
| ICU Charges | |||
| Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day | Covered | Covered |
| Pre-hospitalization | |||
| 30 days before the date of admission to the hospital | 30 days before the date of admission to the hospital | 60 days(Covered up to sum insured) | 60 days(Covered up to sum insured) |
| Post-hospitalization | |||
| 60 days after discharge from the hospital | 60 days after discharge from the hospital | 90 days(Covered up to sum insured) | 90 days(Covered up to sum insured) |
| Day Care Procedures | |||
| 141 day care expenses covered | Covered | Up to sum insured as per list provided in policy document | Up to sum insured as per list provided in policy document |
| Domiciliary Treatment | |||
| Covered | Not Covered | Covered up to sum insured | 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 | Rs.3,000 per event | Rs.3,000 per event |
| Dental Treatment | |||
| Up to 100% of In-patient treatment sum insured (In case of accident) |
Dental treatment necessitated due to disease or injury | As per specified limit and plan opted | Not Covered |
| Bariatric Surgery | |||
| Not Covered | Not Covered | Not Covered | Not Covered |
| Ayush Benefit | |||
| Covered up to sum insured | Covered | Covered up to sum insured | 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 | Covered | 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 | Covered | 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 | Not Covered | As per specified limit and plan opted |
| 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 health check-up available | Annual health check-up available |
| 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 | As per specified limit and plan opted | As per specified limit and plan opted |
| Co-pay | |||
| 10% co-pay applicable for treatment in Non Network hospitals | 5% Co pay applicable on all claims | NIL co-pay | NIL co-pay |
| Pre-existing diseases coverage | |||
| Covered after 3 years of continuous coverage | Covered after a waiting period of 4 years | Covered after 4 years of continuous coverage | Covered after 4 years of continuous coverage |
| Restore Benefit | |||
| Up to 100% of Base Sum Insured per year | Not Covered | Up to 100% of Base Sum Insured | Up to 100% of Base Sum Insured |
| General waiting period | |||
| 30 days | 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 | Covered | For age below 45 years 50% of expiring policy sum insured not exceeding 100% For age above 45 years 20% of expiring policy sum insured not exceeding 100% |
| Emergency Air Ambulance | |||
| Not Covered | Not Covered | Not Covered | As per specified limit and plan opted |
| 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.3 & 4 Lakhs | Value: Rs.5 & 7.5 Lakhs Classic: Rs.10 to 20 Lakhs Uber: Rs.30 & 50 Lakhs above |
| Policy can be purchased for | |||
| 1/2/3 years | 1 year | 1/2/3 years | 1/2/3 years |
| 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) | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy | 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy |
| Renewability | |||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Claims loading | |||
| No Loading | No Loading | Loading | 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 |
