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Religare Joy Tomorrow - 3 Lacs Vs Religare Care Freedom I - 2 Lacs Health Plan Comparison

Religare
Joy
Tomorrow
3 Lacs
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Religare
Care
Freedom I
2 Lacs
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Policy Tenures (Years)
1,2,3
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
Lifelong
Minimum Entry Age (Child)
1 day
90 days
Maximum Entry Age (Child)
24
24
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
170
170
OPD Benefit
No Pre-Policy Medical Tests Age
45
100
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
24
24
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Actual expenses, Subject to Maximum of Upto 7.5% of payable hospitalisation expenses for Upto 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses, Subject to Maximum of 7.50% for Upto 30 days
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Waiting period of 24 months
Not Covered
Newborn Coverage
Rs. 30000 for 90days
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1000
1000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered
Organ Donor Expenses
Not covered
Not covered
Ayurvedic Treatment
Not covered
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Co-payment
Cashless Hospital Network
5420 hospitals across India
5420 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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