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| Feature | Bajaj - General Health Guard (Platinum) | Go Digit - Worldwide Treatment |
|---|---|---|
| Room Rent Limit | No limit | NA |
| ICU Limit | No limit | NA |
| Co-Pay | No | NA |
| Disease Sub-limit | Yes | NA |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | NA |
| Pre-existing Disease Waiting (Years) | 3 | 3 |
| Pre-Hospitalisation | 30 days (Covered up to: sum insured) | 60 days |
| Post-Hospitalisation | 90 days (Covered up to: sum insured) | 180 days (Covered up to: sum insured) |
| Daycare Procedures | Yes | Yes |
| Domiciliary | No | Yes |
| Organ Donor Cover | Yes (Covered up to: sum insured) | No |
| Modern Treatments | Yes | Yes |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Unrelated illness | NA |
| Refill Trigger | Full exhaustion of Sum Insured & Bonus | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Once in a policy year |
| Refill Applicable Claim | Subsequent claims | Subsequent claims |
| Consumables | No | Yes |
| Bonus Rate | 50% for forst 2 years, 10% for subsequent years | 50% |
| Bonus Max Limit | 150% | 5% |
| Reduction in Bonus on Claim | Yes | NA |
| % Settled < 30 Days | 99.40% | 75.24% |
| % Complaints on Claims | 0.03% | 0.19% |
| Incurred Claim Ratio | 90.01% | 90.06% |
| Claim Settlement Ratio (No.) | 93.49% | 90.99% |
| Claim Settlement Ratio (Value) | 79.07% | 76.15% |
| Claim Rejection Ratio | 5.68% | 6.27% |
| Cashless Hospitals | 18,400+ | 9,000+ |
| Affordability | Expensive | Affordable |
| Plan Type | Individual | Individual |
| Extra Features | Maternity benefits on family plan upto 25k after 6 years waiting, Extra coverage of 20% of base sum insured maximum upto 5 lakhs in case the claim amount exceeds the base cover. | NA |