Beshak
Rating - Insurance Ratings based on stuff that matters to
you!
Health Insurance
Best Health Plans
Care Insurance Care vs Bajaj Allianz Health Guard (Platinum)
Compare Health Insurance
Care Insurance Care vs Bajaj Allianz Health Guard (Platinum)
View detail comparison
Consult & Buy from
India’s Top 5% Experts!
Insuring your future, start here 👉🏻
Whom do you want to insure?
Whats your age?
Select age
What's your Pincode?
Care Insurance Care with similar Health Insurances
Bajaj Allianz Health Guard (Platinum) with similar Health Insurances
Compare Care Insurance Care and Bajaj Allianz Health Guard (Platinum)
Claims Track Record:
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.
Bajaj Allianz Health Guard (Platinum)
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.
Service Experience:
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.
Bajaj Allianz Health Guard (Platinum)
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.
Product Benefits:
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.
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz Health Guard (Platinum) Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. While pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge up to the sum insured. It covers 399 daycare treatments 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. With the Bajaj Allianz Health Guard (Platinum) plan, you can choose any room type - there's no restriction on room rent. Further, there is no ICU rent limit and deductible as well. However, an optional copayment of 10% or 20% may be applicable. 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, specific diseases have a 24-month waiting period and some conditions have a 36-month waiting period.