Reliance Health Insurance vs Bharti AXA Health Insurance

If you haven’t bought health insurance yet, it is now the right time to add it to your survival kit. Health insurance covers hospitalization and treatment costs of various illnesses, unfortunate accidents, joyful (and complicated) maternity needs, and much more! All it requires is the payment of periodic premiums (all customizable as per your needs and budget) on your part. If you are doubtful regarding the scope of insurance protection offered, then this comparison guide of Reliance Health Insurance and Bharti AXA Health Insurance is for you. 

Reliance Health Insurance vs Bharti AXA Health Insurance – Overview 

Parameter Reliance Health InsuranceBharti AXA Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer servicePolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches130+135
Claim settlement ratio (CSR)94%98.27%
Cashless claim settlement time Unspecified6 hours
Hospital network7,000+4,500+

Source: The Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – years 2019-20. 

Health Insurance Policies: Reliance Health Insurance vs Bharti AXA Health Insurance

Reliance Health Insurance is part of the well-known Reliance Group. It offers over ten health insurance policies that provide extensive coverage for individuals, families, senior citizens and even corporates. 

Bharti AXA Health Insurance is one of the leading insurers in India and is often the popular choice because of its high CSR. It also offers over 10 health insurance policies for diverse health needs. 

Family Floater Insurance: 

Reliance Health Insurance offers two family floater insurance policies: 

  • Health Gain 
  • HealthWise 

These policies provide: 

  • Sums insured (SI) up to Rs. 18,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Domiciliary (home) hospitalization
  • Nursing care allowances
  • AYUSH treatments including: 
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy 
  • Daycare procedures
  • Organ donor expenses 
  • Critical illness treatment 
  • Advanced technology surgeries/treatments 
  • Pre-existing diseases after the waiting period 
  • Ambulance charges up to Rs. 1,500 per hospitalization 
  • Convalescence benefits of up to Rs. 10,000
  • Daily hospital cash 
  • Wellness and auto-refill benefits

Bharti AXA offers three family floater insurance policies: 

  • Smart Super Health 
  • Smart Health Assure
  • Health Advantage 

These policies provide: 

  • SI up to Rs. 1,00,00,000
  • Coverage for
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Domiciliary hospitalization
  • In-patient physiotherapy
  • Home nursing expenses 
  • AYUSH treatments 
  • Accidental death 
  • OPD consultations 
  • Daycare procedures
  • Organ donor expenses
  • Post-accident hospitalization
  • Bariatric surgery for weight-loss 
  • Maternity and newborn baby needs 
  • Vaccination expenses needed due to an animal bite
  • Dental treatment needed due to an accident/injury  
  • Congenital diseases and genetic disorder treatment 
  • Road and air ambulance charges 

Top-up Insurance:

Reliance Health Insurance’s Top-up Policy called Health Infinity offers: 

These policies provide: 

  • SI up to Rs. 1,00,00,000
  • Extra coverage of up to Rs. 30,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Domiciliary hospitalization
  • AYUSH treatments 
  • Daycare procedures
  • Organ donor expenses 
  • Critical illness treatment 
  • Mental illness healthcare 
  • Advanced technology surgeries/treatments 
  • Pre-existing diseases after the waiting period 
  • Ambulance charges (with no sub-limits) 
  • Daily hospital cash 
  • Wellness and auto-refill benefits
  • Global coverage up to Rs. 20,00,000

Bharti AXA’s Top-up Insurance Policy, called the Smart Super Top-up Policy offers: 

  • SI up to Rs. 60,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Domiciliary hospitalization
  • Home nursing allowances
  • Daycare procedures
  • AYUSH treatments 
  • Organ donor expenses
  • Pre-existing diseases after the waiting period 
  • Dental treatment needed due to an accident/injury 
  • Ambulance charges
  • Daily hospital cash allowances 
  • Wellness rewards and value-added services

COVID-19 Insurance:

Reliance Health Insurance and Bharti AXA Health Insurance offer standard COVID-19 insurance policies. These policies include the Corona Kavach and the Corona Rakshak.

The Corona Kavach Policy offers: 

  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • AYUSH treatments
  • Comorbidity treatment 
  • Ambulance charges 
  • Daily hospital cash 

The Corona Rakshak Policy offers: 

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