Care Health Insurance vs Bharti AXA Health Insurance

When you are young, there is seldom the need to go to the doctor. But as you get older in life, routine visits to a healthcare professional become essential to maintain your health. Moreover, what if you happen to fall sick or face an injury that demands ample finances? Would you prefer to pay from your pocket at the time or let a health insurance provider settle all your bills? Why choose the former when the latter would help you lead a more stress-free life? Learn how you can do this by reading this comparison guide of Care Health Insurance and Bharti AXA Health Insurance

Care Health Insurance vs Bharti AXA Health Insurance – Overview 

Parameter Care Health InsuranceBharti AXA Health Insurance
No. of health insurance policies14+7
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer care
Branches1000+160+
Claim settlement ratio95.2%98.27%
Hospital network15,000+4,500+

Source: Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – 2019-20. 

Health Insurance Policies: Care Health Insurance vs Bharti AXA Health Insurance

Care Health Insurance and Bharti AXA Health Insurance have outstanding credentials. With a high claim settlement ratio of above 95% claims per year, you can rest assured knowing your health is in safe hands. The two insurers offer various health insurance policies to suit diverse health needs. 

Individual and Family Floater Policy: 

Care Health Insurance offers 3 individual and family floater policies: 

  • Care 
  • Care Advantage
  • Care Freedom 

These policies provide: 

  • Sum insured (SI) amount options up to Rs. 6,00,00,000
  • Insurance coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses
  • Domiciliary hospitalization expenses 
  • Daycare procedures 
  • Dialysis and blood pressure 
  • Organ donor expenses
  • Advanced treatments 
  • Ambulance charges 
  • Second medical opinion
  • A companion benefit 
  • Add-on covers for: 
  • Cardiac diseases
  • Diabetes 
  • Home nursing care
  • Diagnostic tests 
  • OPD consultations 
  • Unlimited e-consultation 

Bharti AXA offers 3 individual family floaters policies: 

  • Health Advantage 
  • Smart Super Health 
  • Smart Health Assure

These policies provide: 

  • SI amount options up to Rs. 1,00,00,000
  • Insurance coverage for
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary hospitalization expenses 
  • Daycare procedures
  • Non-allopathic treatments 
  • Organ donor expenses
  • Maternity and newborn baby needs 
  • OPD treatment expenses 
  • Bariatric surgery for weight-loss 
  • Congenital diseases and genetic disorders
  • Pharmacy and diagnostic services
  • Road and air ambulance charges 
  • A personal accident and critical illness cover 

Top-up Policy: 

Care Health Insurance offers ‘Enhance’ – a Top-up Policy that provides: 

  • SI amount options up to Rs. 30,00,000
  • Deductible amount options up to Rs. 10,00,000
  • Insurance coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses (with no sub-limits)
  • Domiciliary hospitalization expenses 
  • Daycare procedures
  • Organ donor expenses
  • Health check-up
  • Expert doctor’s medical opinion

Bharti AXA offers theSmart Super Top-up Insurance Policy’ that provides: 

  • SI amount options up to Rs. 60,00,000
  • Several deductible amount options
  • Insurance coverage for: 
  • Pre and post-hospitalization expenses
  • In-patient hospitalization expenses
  • Domiciliary hospitalization expenses
  • Daycare procedures
  • Non-allopathic treatments 
  • Organ donor expenses
  • Dental treatment needed due to an accident/ injury 
  • Ambulance charges and daily hospital cash allowances 

COVID-19 Policy: 

All insurance providers, including Care Health Insurance and Bharti AXA Health Insurance, offer standard COVID-19 insurance policies. These policies include the Corona Kavach and the Corona Rakshak.

Care Health Insurance offers the Corona Kavach and Corona Rakshak Policies for COVID-19 treatment. 

The Corona Kavach Policy provides: 

  • SI amount options up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses
  • Domiciliary hospitalization
  • Non-allopathic treatments
  • Comorbidity treatment 
  • Ambulance charges 

Whereas, Bharti AXA Health Insurance only offers the Corona Rakshak Policy that provides: 

  • SI amount options up to Rs. 2,50,000 
  • 100% payout of the SI on the diagnosis of COVID-19 and 72 hours of continuous hospitalization