Compare Health Insurance
Bajaj Allianz Health Guard (Platinum) vs Care Insurance Care
View detail comparison
Bajaj Allianz Health Guard (Platinum) with similar Health Insurances
Care Insurance Care with similar Health Insurances
Compare Bajaj Allianz Health Guard (Platinum) and Care Insurance Care
Claims Track Record:
Bajaj Allianz Health Guard (Platinum)
Bajaj Allianz General Insurance Company Limited boasts an impressive claims track record. It has a claim settlement ratio of 92.06% and a claims incurred ratio of 84.96%. Even more noteworthy is its ability to resolve 99.44% of claims within just 30 days. Compared to other insurers, Bajaj Allianz has received fewer complaints related to claims.
Care Insurance Care
Care Health Insurance Company has a claim settlement ratio of 85.64% and a claims incurred ratio of 56.19%. It has settled 99.99% of claims within 30 days. Furthermore, it has a high complaint rate related to claims, as compared to other insurers.
Service Experience:
Bajaj Allianz Health Guard (Platinum)
In terms of customer service, Bajaj Allianz General Insurance Company Limited offers support via a toll-free helpline and its Twitter handle. However, their response time on these platforms tends to be average.
Care Insurance Care
Care Health Insurance Company provides customer support through its toll-free helpline and Twitter channel. While the toll-free response time is quick, their Twitter response time is comparatively slower. Therefore, if you need an immediate response, using the toll-free number might be the preferable choice.
Product Benefits:
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz Health Guard (Platinum) Plan provides comprehensive coverage. This plan covers a wide range of hospitalisation costs. Pre-hospitalisation expenses are taken care of for up to 60 days before you're admitted, while post-hospitalisation costs are covered for up to 90 days after discharge, all up to the sum insured. In addition, the policy includes coverage for all day care treatments, with a range of up to 399 treatments. It also covers organ donation procedures and modern treatments, all up to the sum insured. It does not cover any non-medical expenses and domiciliary treatment.
With the Bajaj Allianz Health Guard (Platinum) Plan, you can opt for any room without worrying about room rent limits, and there's also no cap on ICU rent or a deductible to consider. However, if you prefer, you can choose an optional copayment of either 10% or 20%, giving you control over your contribution. The plan doesn’t have any restrictions on common medical treatments or surgeries, including joint replacements, which are covered up to the sum insured. Cataract treatments are covered up to 20% of the sum insured per eye, capped at Rs. 1 lakh.
It’s important to be aware of the waiting periods: pre-existing diseases have a waiting period of 36 months, while specific diseases are subject to a waiting period of 24 months, with some conditions extending to 36 months.
Care Insurance Care
The Care Insurance Care Plan offers comprehensive coverage, encompassing hospitalisation expenses, pre-hospitalisation, and post-hospitalisation costs. Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation, while post-hospitalisation expenses are covered for up to 60 days after discharge, all up to the sum insured. Furthermore, the policy covers 541 day care treatments along with modern treatments, both up to the sum insured. Domiciliary treatments (except 12 illnesses) are covered up to 10% of the sum insured and organ donor expenses related to harvesting the organ are covered up to Rs 1 lakh. Consumables are also covered up to the sum insured. With the Care Insurance Care Plan, you can choose only up to a single private AC room during your hospital stay. There is no ICU rent limit or deductible limit. However, there is a 20% copayment for individuals aged 61 years and above. The policy does not impose any restrictions on common treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. Under this plan, the waiting period for pre-existing diseases is 24 months if you choose an add-on, and specific diseases also have a 24-month waiting period.