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Care Insurance Care Supreme vs Bajaj Allianz My Health Care
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Care Insurance Care Supreme with similar Health Insurances
Bajaj Allianz My Health Care with similar Health Insurances
Compare Care Insurance Care Supreme and Bajaj Allianz My Health Care
Claims Track Record:
Care Insurance Care Supreme
Whenever it comes to settling claims, Care Health Insurance Company has a claim settlement ratio of 85.64% and claims incurred ratio of 56.19%. Also, 99.99% of claims were settled in less than 30 days. And, they have higher complaints related to claims as compared to other insurers.
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.
Service Experience:
Care Insurance Care Supreme
Care Health Insurance provides customer service via its toll-free number and Twitter channel. According to our research, their Twitter response rate is slow and their toll-free response rate is quick. So, if you're in need of an immediate response, the toll-free number may be the better option.
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.
Product Benefits:
Care Insurance Care Supreme
The Care Insurance Care Supreme Plan provides coverage for 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. The insurer also covers all day care treatments, domiciliary treatments (except 12 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Consumables are also covered up to the sum insured if you opt for an add-on. Care Insurance Care Supreme Plan gives you the freedom to choose any room without imposing any limit. There is no ICU rent limit and copayment/deductible limit. Furthermore, the insurer doesn’t impose any limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Under the Care Insurance Care Supreme Plan, pre-existing diseases have a 12-month waiting period (if you opt for an add-on) and specific diseases have a 24-month waiting period.
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.