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Bajaj Allianz My Health Care vs Reliance General Health Gain (Power)
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Bajaj Allianz My Health Care vs Reliance General Health Gain (Power)
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Bajaj Allianz My Health Care with similar Health Insurances
Reliance General Health Gain (Power) with similar Health Insurances
Compare Bajaj Allianz My Health Care and Reliance General Health Gain (Power)
Claims Track Record:
Bajaj Allianz My Health Care
When it comes to settling claims, Bajaj Allianz General Insurance Company Limited has settled 99.38% of claims in less than 30 days. They have a claim settlement ratio of 72.14% and a claims incurred ratio of 81.10%. Additionally, they've received fewer complaints related to claims compared to other insurers.
Reliance General Health Gain (Power)
Reliance General Insurance Company Limited has a claim settlement ratio of 85.52% and claims incurred ratio of 87.12%. It has also settled 89.89% of claims in less than 30 days. They've received fewer complaints related to claims compared to other insurers.
Service Experience:
Bajaj Allianz My Health Care
The Bajaj Allianz General Insurance Company Limited offers customer service via toll-free number and Twitter. Both their Twitter response and toll-free response rate are average. In case of any issues or queries, you can contact either of these channels for assistance.
Reliance General Health Gain (Power)
Reliance General Insurance Company Limited offers customer service via their toll-free number and Twitter account. Based on our research, their Twitter response rate is quick, and their toll-free response rate is average. We recommend contacting the company's Twitter handle for assistance in times of need.
Product Benefits:
Bajaj Allianz My Health Care
The Bajaj Allianz My HealthCare Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge up to the sum insured. It covers 399 daycare treatments, domiciliary treatments (except 15 illnesses), and modern treatments up to the sum insured. Also, costs associated with harvesting the organ from the donor are covered up to the sum insured as well. The Bajaj Allianz My HealthCare Plan comes with a room rent limit, under which you can select up to a Single Private Room. There is no ICU rent limit or deductible. However, you can opt for an optional copayment of 5% or 10% or 20%. Common treatments/surgeries like cataract treatment are covered up to 20% of the sum insured per eye per policy year subject to a maximum of Rs 1 lakh, and joint replacement surgery is covered up to the sum insured. Under the policy, pre-existing diseases have a 36-month waiting period, and specific diseases/treatments have a 24-month waiting period.
Reliance General Health Gain (Power)
Reliance General Health Gain (Power) Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. If you opt for add-ons, pre-hospitalisation expenses are covered for 90 days before hospitalisation, and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. Additionally, the plan covers all day care treatments and domiciliary treatments (except 15 illnesses) up to the sum insured. Inpatient organ donor expenses are covered up to 50% of the sum insured, with a maximum cap of Rs 5 lakhs. Modern treatments and consumables are covered up to the sum insured if you go for an add-on. The Reliance General Health Gain (Power) Plan gives you the freedom to choose any room without imposing any limits if you opt for an add-on. Further, it has no ICU rent limit, copay, or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, the plan does come with optional deductibles of Rs 10,000/Rs 25,000/Rs 50,000/Rs 1,00,000. The Reliance General Health Gain (Power) Plan has a waiting period of 12 months for pre-existing diseases if you go for an add-on and a waiting period of 24 months for specific diseases.