Care (Religare) Health Insurance vs HDFC ERGO Health Insurance

Looking for a secure health insurance cover but confused about which one to opt for? Well, given the increasing number of insurers, finding the right health cover can be difficult. But if you understand your healthcare needs well, a detailed comparison can help you find precisely the cover that you want. 

Check the comprehensive HDFC ERGO and Care Health Insurance comparison and pick a policy that best meets your expectations.

Care vs HDFC Ergo Health Insurance – Overview

Parameter	HDFC ERGO	Care (Religare) Insurance
Number of health insurance plans	6	6
E-services	Policy purchase, renewal, claim settlement and live chat	Insurance purchase, renewal, claim settlement and live chat
Branches	120+	59+
Incurred claims ratio	62%	55%
Claim settlement ratio (FY19)	89%	93%
Claim settlement time	20 mins for cashless claim settlement	2 hours for cashless claims approval
Hospital network	More than 10,000	More than 7,800

 

HDFC ERGO Vs Care (Religare) Health Insurance

HDFC ERGO aims to be responsive to the needs of customers and offers different insurance plans. Some of these plans include individual, family, senior citizens, critical illness, COVID-19, etc. 

Religare Health Insurance is now known as Care Health Insurance. The company provides affordable health plans like individual, family, AYUSH cover, senior citizens, personal accident, COVID-19, etc.

Below is a comprehensive comparison of HDFC ERGO and Religare health insurance: 

Individual and Family Health Insurance Plans

HDFC ERGO provides an affordable insurance plan that takes care of you and your family’s healthcare needs. Some features include:

• Offers plans for people above 18 years of age with no maximum age limits
• Includes expenses like pre-and post-hospitalisation, in-hospital, day-care procedures, AYUSH treatment, cashless home healthcare, organ donor etc. 
• Covers additional costs like mental well-being and health check-ups
• Permits healthy people up to 45 years of age to enrol in a policy without a medical test
• Provides monetary assistance in the event of continuous hospitalisation for ten or more days 
• Offers lifetime renewability

 

Religare (Care) offers a complete health insurance plan to financially shield you and your family, in case of medical emergencies. Some important features include:

• Offers policies for anyone above the age of 91 days. No maximum age limits
• Includes, expenses like annual health check-ups, emergency ambulance, in-patient hospitalisation, pre-and post-hospitalisation, day-care procedures, ICU charges, domiciliary hospitalisation etc.
• Covers modern treatments like robotic surgery, HIV/AIDS, etc.
• Offers up to 150% No Claim Bonus or NCB
• Provides lifelong renewability
• Offers 24*7 claim support

 

Critical Illness Insurance Plans

HDFC ERGO has an affordable critical illness cover. Important features are:

• Offers two plans, Silver and Platinum; each with different benefits
• Includes, 15 Critical illnesses like cancer, stroke, multiple sclerosis, paralysis, heart valve replacement, kidney failure, etc. in the platinum plan
• Provides lump sum benefit
• Covers regular hospital fees
• Allows lifetime renewability of plan

 

Religare offers a low premium and high coverage critical illness cover with the following features: 

• Covers 32 specified Critical ailments, like cancer, stroke, Parkinson’s disease, brain tumour, multiple sclerosis, aplastic anaemia, major organ transplant, paralysis, blindness, etc.
• Allows payment of premiums via easy instalments
• Includes, in-patient hospitalisation, ICU charges, alternative treatment, ambulance, OPD cover, pre- and post-hospitalisation expenses, chemotherapy and radiotherapy, etc.
• Offers quick recovery counselling, international second opinion, doctor on call, air ambulance, etc.

 

Prepare today for a relaxed and secure future.

Check out the best health insurance plans here:

Step1

Step2

Buy Policy For

Individual

Floater

Sum Insured

1 Lakh 1.5 Lakh 2 Lakh 2.5 Lakh 3 Lakh 3.5 Lakh 4 Lakh 4.5 Lakh 5 Lakh 5.5 Lakh 6 Lakh 6.5 Lakh 7 Lakh 7.5 Lakh 10 Lakh 15 Lakh 20 Lakh 25 Lakh 30 Lakh 40 Lakh 50 Lakh 60 Lakh 75 Lakh 1 Crore

Primary Insured Gender

Male

Female

Primary Insured Age

0-17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years 26 Years 27 Years 28 Years 29 Years 30 Years 31 Years 32 Years 33 Years 34 Years 35 Years 36 Years 37 Years 38 Years 39 Years 40 Years 41 Years 42 Years 43 Years 44 Years 45 Years 46 Years 47 Years 48 Years 49 Years 50 Years 51 Years 52 Years 53 Years 54 Years 55 Years 56 Years 57 Years 58 Years 59 Years 60 Years 61 Years 62 Years 63 Years 64 Years 65 Years 66 Years 67 Years 68 Years 69 Years 70 Years 71 Years 72 Years 73 Years 74 Years 75 Years 76 Years 77 Years 78 Years 79 Years 80 Years 81 Years 82 Years 83 Years 84 Years 85 Years 86 Years 87 Years 88 Years 89 Years 90 Years 91 Years 92 Years 93 Years 94 Years 95 Years 96 Years 97 Years 98 Years 99 Years 100 Years

Proposer Pincode

Additional Family Members

Adults? Yes No

Children? 0 1 2 3 4

Proposer Mobile No

Adults

Male

Female

- Select Age - 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years 26 Years 27 Years 28 Years 29 Years 30 Years 31 Years 32 Years 33 Years 34 Years 35 Years 36 Years 37 Years 38 Years 39 Years 40 Years 41 Years 42 Years 43 Years 44 Years 45 Years 46 Years 47 Years 48 Years 49 Years 50 Years 51 Years 52 Years 53 Years 54 Years 55 Years 56 Years 57 Years 58 Years 59 Years 60 Years 61 Years 62 Years 63 Years 64 Years 65 Years 66 Years 67 Years 68 Years 69 Years 70 Years 71 Years 72 Years 73 Years 74 Years 75 Years 76 Years 77 Years 78 Years 79 Years 80 Years 81 Years 82 Years 83 Years 84 Years 85 Years 86 Years 87 Years 88 Years 89 Years 90 Years 91 Years 92 Years 93 Years 94 Years 95 Years 96 Years 97 Years 98 Years 99 Years

Child 1

Male

Female

- Select Age - <1 Year 1 Years 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years 16 Years 17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years

Child 2

Male

Female

- Select Age - <1 Year 1 Years 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years 16 Years 17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years

Child 3

Male

Female

- Select Age - <1 Year 1 Years 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years 16 Years 17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years

Child 4

Male

Female

- Select Age - <1 Year 1 Years 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years 16 Years 17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years

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Senior Citizen Health Insurance Plans

HDFC ERGO provides a class of affordable healthcare plans for senior citizens. Main features are:

• Provides different plans, silver and gold, with diverse benefits
• Includes, benefits like cashless home treatment, healthcare check-ups, pre-and post-hospitalisation expenses, day-care procedures, in-patient hospitalisation, organ donor expenses, AYUSH benefits, mental healthcare, etc.
• Offers road and air ambulance, alternative treatment, etc. in the gold policy
• Has no upper limit on the hospital room rent in both plans
• Allows a sum insured rebound option
• Pays Rs.15,000 as a lump sum for a Gold Plan, in the case of continuous hospitalisation for 10 days or more

 

Religare offers specialised health insurance for senior citizens. Highlights include:

• Available for people aged 61 years and above. No maximum age limits
• Includes, day-care procedures, pre-and post-hospitalisation, in-hospital expenses, ambulance cover, health check-ups, organ donor, second opinion, alternate treatment, etc.
• Does not require a pre-policy medical check-up
• Allows co-payment up to 20% per claim for insurers above 61 years of age
• Offers life-long renewability

 

 

This information will help you identify the insurance plan you want to buy. Assess your healthcare needs and cautiously choose a policy after reading all the terms and conditions. You can get expert advice to buy insurance online.