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Compare Health Insurance Plans

Online Health Insurance Plan Comparison

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7.5% Discount
10% Discount

Your premium is Rs.

Above Premium includes 18% GST

I

94%

Claim Settlement Ratio (OND 2018)

II

8100 +

Network Hospitals across 500 cities

III

400 Lacs+

Lives covered

Your good health is crucial to succeeding in life. But, sedentary lifestyle, pollution, hunching on junk food, and work stress can deteriorate your health in the coming years. Additionally, rising medical inflation and skyrocketing treatment costs can burn a hole in your pockets. Therefore, comprehensive medical insurance is a need of an hour. It is imperative to choose a health insurance plan that caters to yours and your family health care needs and does not impair your financial security. Keeping in mind all the concerns, Religare Health Insurance has developed exclusive health insurance plans that give you maximum coverage at an affordable premium. So, compare health insurance plans and see how beneficial they are for you.

Health Insurance Plan Comparison

 

Particulars

Plans

Care

Care Freedom

Super Mediclaim

Sum Insured

Up to Rs.75 lac

Up to Rs.10 Lac

Up to 50 Lac

Pre-Policy Medical Check-Up

Certain medical tests are required for a better understanding of the buyer’s health condition.

No pre-policy medical check-up for all ages.

No medical is required

Age Limit

90 Days- No upper age limit

90 Days- Lifelong

5 years-No upper age limit

Renewal

It has lifelong renewability.

It has lifelong renewability.

It has lifelong renewability.

Co-payment

20% is the co-payment limit that the insured has to pay if enrol at the age of 61 years or more.

20% is the co-payment limit that the insured has to pay.

10% is the co-payment limit that the insured has to pay.

Waiting Period

30 days for any illness and 4 years for the pre-existing disease. 

30 days for any illness and 2 years for the pre-existing disease.

90 days for any illness and 4 years for the pre-existing disease.

Annual Health Check-Up

Annual Health Check-Up for all the insured members.

Annual Health Check-Up for all the insured adults.

Annual Health Check-Up for insured.

Coverage 

Cover 12 critical illnesses and more than 540 daycare treatments.

Cover ailments such as diabetes and hypertension with 170 daycare treatments.

Cover cancer, heart and operation and 32 defined illnesses.

Non-Allopathic Treatments

Covers Non-Allopathic Treatments like Ayurveda, Homeopathy, 

Unani & Sidha up to a specified limit.

Covers Non-Allopathic Treatments like Ayurveda, Homeopathy, 

Unani & Sidha up to a specified limit.

No Claim Bonus

Up to 150% increase in Sum insured as No Claim Bonus.

Not applicable

Sum insured will be enhanced with 50% for the first claim-free year and 25% on a cumulative basis as No Claim Bonus.

Hence, you can compare health insurance and choose the health insurance that provides you comprehensive coverage against different illnesses.

Parameters While Comparing Health Insurance Online?

Check below what your health insurance plan should offer you:

  • Affordable Premium: Make sure that your health insurance plan should not burden your pocket. The health insurance premium should be reasonable and worth paying according to the insurance covers. Avoid buying extra cover that only increases your premium.
  • Maximum Benefits: Your health insurance should give you maximum benefits. From pre and post hospitalization expenses to daycare treatments, ambulance cover, second opinion, therapies, medicines, and doctor’s fees, all should be covered under your health insurance.
  • Quick Claim Settlement: You should opt for a health insurance policy from the company that settles your claims quickly and timely. Invest in a company that has a higher health insurance claim settlement ratio.
  • Minimal Exclusions: Go through the list of exclusions before you make your buying decision. Check what all the diseases that insurance companies do not cover under a policy. You should invest in the policy that has minimum exclusions.
  • Tax Exemption: Under Section 80D of the Income Tax Act 1961, a premium paid by you for self, dependent parents, spouse, and children are exempted from tax. So, opt for a health insurance plan that offers you a good tax exemption.

Compare Health Insurance Plan - Family vs Individual

A family health insurance plan and an individual health insurance plan are two different plans that serve different purposes. It is important to understand their differences, as mentioned below so that it would enable you to make an informed decision about choosing the right medical insurance policy.
  • Under individual plans, there is only one individual who is insured and can avail coverage for medical expenses.
  • Family health plans cover a group of members of a family in a single plan with a specified sum assured for each of them.
  • The premium for individual health plans is defined on the basis of the individual's age.
  • The premium for family health insurance plans is defined by the age of the oldest family member covered under the plan.

A right health insurance policy covers your health risks; enables you to avail the best healthcare services with financial security for yourself and your family. Therefore, put some thought into it compared to health insurance plans and choose the health care plan that is best suited to your financial and healthcare needs.

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