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Insurance Plans Comparison

Bajaj Health Guard Gold vs HDFC ERGO EquiCover

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Bajaj

Health Guard Gold

Get maternity cover for normal and caesarean delivery, a single private air-conditioned room on sums insured up to ₹7.5 lakh and any room from ₹10 lakh, plus a 10% claim-free bonus up to 100%.

What Makes It Special:

Health Guard is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
HDFC ERGO

EquiCover

Get inpatient hospitalisation for a certified disability or for people living with HIV/AIDS, excluding anti-retroviral treatment, plus AYUSH care up to the sum insured and a 20% co-pay on every claim.

What Makes It Special:

EquiCover is an indemnity health insurance product specifically filed for applicants who are routinely declined or heavily loaded on standard plans: persons certified with not less than 40% of a specified disability under the Rights of Persons with Disabilities Act 2016 or the Mental Healthcare Act 2017, and individuals with...

Best For:

  • Families covering a dependent child with a certified disability, since children can be enrolled on an individual policy of their own

  • Buyers who want a first layer of hospitalisation cover and are willing to pay extra to remove the standard 20% co-payment

  • Applicants with one of the 21 listed disabilities — including blindness, locomotor disability, thalassemia, haemophilia, sickle cell disease, autism spectrum disorder, cerebral palsy, mental illness and Parkinson's disease

  • Individuals living with HIV/AIDS seeking in-patient hospitalisation cover for medical conditions generally

  • Persons holding a disability certificate for not less than 40% of a specified disability from a government-appointed medical board, who cannot obtain standard health cover

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Bajaj Health Guard Gold

Not available

HDFC ERGO EquiCover

  • If you are being covered for HIV/AIDS, note that antiretroviral treatment costs are excluded, so budget for that medication separately.

  • A disability certificate from a government-appointed medical board is a condition precedent to the disability cover, so obtain and keep it before applying.

  • The sum insured is limited to ₹4 lakh or ₹5 lakh, so treat this as a base layer and consider whether a separate top-up or group cover is available to you for larger claims.

  • Room rent is capped at 1% of sum insured per day and ICU at 2%, which on a ₹5 lakh cover is ₹5,000 and ₹10,000 a day, so check those limits against room rates at the hospitals you would use.

  • Price the optional co-payment waiver before buying, because without it you bear 20% of every admissible claim — ₹1 lakh on a ₹5 lakh claim at the maximum sum insured.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Guard Gold
Health Guard Gold

Health Insurance Plan

Brochure

Policy Wording

VS
EquiCover
EquiCover

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Guard Gold

Single Private Air-Conditioned Room (for Sum Insured ₹3 lakh to ₹7.5 lakh); Any Room Category (for Sum Insured ₹10 lakh and above)

Actual ICU Expenses

VS

EquiCover

Normal: Up to 1% of Sum Insured per day

ICU: Up to 2% of Sum Insured per day

Advanced Treatments

Health Guard Gold

Chemotherapy, Radiotherapy, Dialysis, Physiotherapy, Pacemaker implantation, Orthopedic implants, Cardiac valve replacements, Vascular stents, Bariatric Surgery

VS

EquiCover

Uterine Artery Embolization (UAE)

HIFU (High Intensity Focused Ultrasound)

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Vaporisation of Prostate

IONM (Intra Operative Neuro Monitoring)

Hematopoietic Stem Cell Therapy for Bone Marrow Transplant

ICU Charges

Health Guard Gold

Information Unavailable

VS

EquiCover

Up to 2% of Sum Insured per day

Co-payment

Health Guard Gold

No mandatory co-payment under standard coverage.

VS

EquiCover

20% Co-payment on every admissible claim

Disease-wise sublimits

Health Guard Gold

Information Unavailable

VS

EquiCover

Yes — cataract treatment limited to ₹40,000 per eye per policy year; modern treatment capped at 50% of Sum Insured; emergency ground ambulance limited to ₹2,000 per hospitalisation

Waiting Period

Health Guard Gold

Initial Waiting Period: 30 days

Pre-existing Disease Waiting Period: 36 months

Specific Disease/Procedure Waiting Period: 24 months for listed diseases and procedures; 36 months for certain conditions such as bariatric surgery; 72 months for maternity benefits

VS

EquiCover

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period:

  1. 24 Months for pre-existing disability
  2. 36 Months for other pre-existing conditions

Specific Disease/Procedure Waiting Period: 24 Months

Cashless Healthcare Providers

Health Guard Gold

Available through network hospitals

VS

EquiCover

Cashless treatment available through network providers

Restoration Benefit

Health Guard Gold

Information Unavailable

VS

EquiCover

Not specified — no restoration, recharge or reinstatement of sum insured is provided in the policy document

Daycare Treatment

Health Guard Gold

Covered

VS

EquiCover

Covered

Cumulative Bonus

Health Guard Gold

Information Unavailable

VS

EquiCover

Not specified — no cumulative bonus or no-claim increase in sum insured is provided in the policy document

AYUSH Treatment

Health Guard Gold

Covered

VS

EquiCover

Covered up to 100% of Sum Insured

Consumable Cover

Health Guard Gold

Information Unavailable

VS

EquiCover

Not specified

Initial Waiting Period

Health Guard Gold

Information Unavailable

VS

EquiCover

30 days for all claims except those resulting from an accident; not applicable after twelve months of continuous coverage

Specific Waiting Period

Health Guard Gold

Information Unavailable

VS

EquiCover

24 months for listed conditions and surgical procedures; not applicable to accident claims

PED Waiting Period

Health Guard Gold

Information Unavailable

VS

EquiCover

24 months for the covered pre-existing disability; 36 months for other pre-existing conditions, excluding the covered disability and HIV/AIDS

Modern Treatment

Health Guard Gold

Information Unavailable

VS

EquiCover

Listed procedures covered up to 50% of Sum Insured, as in-patient or day care treatment

Annual Health Checkup

Health Guard Gold

Information Unavailable

VS

EquiCover

Not specified. A pre-policy check-up may be required based on age and sum insured, with 100% of the expense reimbursed on acceptance of the proposal

Post-Hospitalisation

Health Guard Gold

Information Unavailable

VS

EquiCover

60 days from the date of discharge; claimable on a reimbursement basis only

Outpatient Department Cover (OPD Expense)

Health Guard Gold

Information Unavailable

VS

EquiCover

Not specified

Deductible Option

Health Guard Gold

Information Unavailable

VS

EquiCover

Not specified

Claim Settlement Ratio

Health Guard Gold

Information Unavailable

VS

EquiCover

97.45%

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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