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TATA AIG vs Bajaj Allianz Health Insurance

Compare TATA AIG vs Bajaj Allianz Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
TATA AIG BAJAJ ALLIANZ
Claims Settlement Ratio **
80.61% 94.55%
Number of Lives Covered *
22,48,000 2,46,85,000
Network Hospitals
4,000 + 6,500 +

* As per Insurance Regulatory and Development Authority report for 2018-19 | ** As per Non-life 25 data published on the Insurance Company website

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In-patient Treatment
Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury
Room Rent
Shared Accommodation / 10% co pay for higher Room category Shared Accommodation(with 10% co-pay)/ Single Private A/c Room NIL Room Rent restrictions Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower.
Gold: No sublimits
1% of sum insured per day max.Rs.5,000/-day Actual 2% of sum insured, Max Upto Rs.5,000/- per day
ICU Charges
Covered Covered Covered Actual 2% of sum insured per day max. Rs.10,000/-day Actual 5% of sum insured, Max Upto Rs.10,000/- per day
Pre-hospitalization
30 days before the date of admission to the hospital 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital Up to 60 days Up to 30 days Up to 60 days Up to 30 days
Post-hospitalization
60 days after discharge from the hospital 90 days after discharge from the hospital 90 days after discharge from the hospital Up to 90 days Up to 60 days Up to 90 days Up to 60 days
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered All day care procedures are covered All day care procedures are covered All day care procedures are covered Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Not covered Not covered Not covered Any expenses incurred on Domiciliary Hospitalization
Emergency Ambulance
Upto Rs 1,000 per hospitalisation Upto Rs 3,000 per hospitalisation Upto Rs 5,000 per hospitalisation Upto Rs 20,000/- per policy year Upto Rs 1,000/- per hospitalisation Upto sum insured Upto Rs 2,000/- per hospitalisation
Dental Treatment
Not covered Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness 10,000 (OPD Dental) Not covered Not covered Covered out patient expenses procedures – Root Canal Treatment, Extractions. Not covered
Bariatric Surgery
Not covered Covered Covered 50% of Sum insured max upto Rs. 5 lakhs(waiting period 3years) Not covered Covered if medically indicated Not covered
Ayush Benefit
Covered upto sum insured Covered upto sum insured Covered upto sum insured covered Covered up to 20% of Sum Insured Covered Covered
Maternity Benefits
Not covered Not covered Up to Rs.50,000/- (Rs.60,000/- in case of girl child) per policy. Waiting period 4 years. Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower.
Gold: No sublimits
Not covered Upto Rs 25,000/- to Rs 1 lakh ( waiting period - 2 years) Not covered
New Born baby cover
Not covered Not covered If a claim is admitted under the maternity benefit, then the company covers for medical expenses incurred on the treatment of new born baby up to Rs.10,000/- for complications related to delivery. 50% of Sum insured maximum up to Rs. 5 lakhs Not covered Covered if medically indicated Not covered
Vaccination of the new born baby
Not covered Not covered Upto Rs.10,000/- (Rs.15,000/- in case of girl child) up to one year after the birth of the child Covered Not covered Covered Not covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Available up to Rs.500,000/- Not Covered
Vaccination (In case of post bite treatment)
Not covered Covered Covered Not covered Not covered Not covered Not covered
Health Check-up
Upto 1% of previous sum insured subject to a maximum of Rs. 10,000/- per policy Upto 1% of previous sum insured per policy Upto 1% of sum insured subject to a maximum of Rs. 10,000/- per policy Every 3 yrs, 1% of sum insured, max Rs. 5000/-, irrespective of claim. Every 3 yrs, 1% of sum insured, max Rs.1500/-, irrespective of claim. Annual Not covered
Hospital daily allowance
Not covered If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. Not covered Not covered Upto Rs.1,000/- per day Not covered
Co-pay
No co-pay No co-pay No co-pay 20% Co-payment applicable for any insured person aged 56 years and above, being covered for the first time in the Health Guard policy.
10% co-payment of the admissible claim to be paid by the member if treatment is taken in a non network hospital. Waiver of the co-payment clause is available on payment of additional premium.
20% based on Zonewise treatment Not Applicable Not Applicable
Pre-existing diseases coverage
Pre-existing diseases covered after 4 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage. Pre-existing diseases covered after 2 years of continuous coverage. Covered after a waiting period of 3 years Covered after a waiting period of 2 years Covered after a waiting period of 2 years Covered after a waiting period of 4 years
Restore Benefit
100% of base sum insured for you and your family members 100% of base sum insured for you and your family members 100% of base sum insured for you and your family members Restoration benefit available upto 100% of Base SI Not applicable Restoration benefit available upto 100% of Base SI Not applicable
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
10% on base sum insured for every claim free year and up to 100%. 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) 5% on base sum insured for every claim free year and up to 25%. 10% on base sum insured for every claim free year and up to 50%. 5% on base sum insured for every claim free year and up to 50%.
Emergency Air Ambulance
Not covered Not covered Covered Not covered Not covered Rs.50,000/- to Rs. 5 lakhs Not covered
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs Health Guard – Silver Plan: Rs.1.5 lakhs, 2 lakhs
Health Guard – Gold Plan: Rs.3 lakhs to 50 lakhs
Individual - Rs.50,000 to 10 lakhs
Floater - Rs.2 lakhs to 10 lakhs
5 lakhs to 50 lakhs 1 lakh to 5 lakhs
Policy can be purchased for
1 /2/3 years 1 /2/3 years 1 /2/3 years 1 year / 2 years / 3 years 1 year / 2 years / 3 years 1 year 1 year
Eligibility criteria
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. Up to Rs.500 per day maximum up to 10 days during each policy year Not covered Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading 5% for one condition ,max up to 25% 10% for one condition , max up to 50% No Loading
Portablity
(At the time of renewal)
Yes Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D

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