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TATA AIG vs Care health insurance formerly Religare health insurance

Compare TATA AIG vs Care(formerly Religare) 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 Care(formerly Religare)
Claims Settlement Ratio ** 80.61% 93.44%
Number of Lives Covered * 22,48,000 1,07,13,000
Network Hospitals 4,000 + 7,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
tata aig medicare tata aig medicare tata aig medicare premier maternity-health-policy buy-online
Medicare Protect Medicare Medicare Premier Maternity health insurance - JOY Care(formerly Religare) - Care
In-patient Treatment
Covers hospitalisation expenses due to an disease/illness/injury per policy period Covers hospitalisation expenses due to an disease/illness/injury per policy period Covers hospitalisation expenses due to an disease/illness/injury per policy period Covered Covered
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 Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day
5 to 10 Lakhs: Single private room
15 to 75 Lakhs: Single private room,upgradable to next level
ICU Charges
Covered Covered Covered Covered
3 & 4 Lakhs: 2% of sum insured per day
5 to 75 Lakhs: No limit
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 30 days before the date of admission to the hospital 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 60 days after discharge from the hospital 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 Covered Covers more than 540 day Care treatments
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Not covered Up to 10% of sum insured
Emergency Ambulance
Up to Rs.1,000 per hospitalisation Up to Rs.3,000 per hospitalisation Up to Rs.5,000 per hospitalisation Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation
5 to 10 Lakhs: Rs.2,000 per hospitalisation
15 to 40 Lakhs: Rs.2,500 per hospitalisation
50 to 75 Lakhs: Rs.3,000 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
Bariatric Surgery
Not covered Covered Covered Not covered Not covered
Ayush Benefit
Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Not covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha
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.
3 Lakhs: Up to Rs.35,000
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 & 4 Lakhs: Not covered
5 to 10 Lakhs: Not covered
15 to 40 Lakhs: Not covered
50 to 75 Lakhs: Covered
(Waiting period: 24 months)
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.
3 lakhs: Up to Rs.30,000
5 lakhs: Up to Rs.50,000
Not covered
Vaccination of the new born baby
Not covered Not covered Up to Rs.10,000 (Rs.15,000 in case of girl child) up to one year after the birth of the child Not covered Not covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Not covered
Covered(Optional)
Vaccination (In case of post bite treatment)
Not covered Covered Covered Not covered Covered
Health Check-up
Up to 1% of previous sum insured subject to a maximum of Rs.10,000 per policy Up to 1% of previous sum insured per policy Up to 1% of sum insured subject to a maximum of Rs.10,000 per policy Not covered 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 Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days
Co-pay
No co-pay No co-pay No co-pay 20% co-pay above 60 years 20% co-pay above 60 years
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 4 years of continuous coverage. Covered after 4 years of continuous coverage.
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 Not covered
Recharge up to 100% of Base Sum Insured per year
General waiting period
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.
Covered(Optional)
10% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not covered Not covered Covered Not covered
Covered(Optional)
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs 3 & 5 Lakhs 3 to 75 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years
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 91 days to 17 years) 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
Renewability
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. Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading Loading
Portablity(At the time of renewal)
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

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