Tata AIG vs Future Generali Health Insurance

Compare TATA AIG vs Future Generali health insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Gender
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Tata AIG Future Generali
Claims Settlement Ratio ** 80.61% 94.79%
Number of Lives Covered * 22,48,000 48,38,000
Network Hospitals 4,000 + 5,400 +
  • * 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 Future generali Future generali
Medicare Protect
Medicare
Medicare Premier
Health Total
Vital
Superior
Premier
Arogya Sanjeevani
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 Covered up to Sum Insured Covered up to Sum Insured
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 NIL cap on room rent across all plans Up to 2% of the sum insured subject to maximum of Rs. 5,000/day.
ICU Charges
Covered Covered Covered Covered Up to 5% of the sum insured subject to maximum of Rs. 10,000/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 60 days before the date of admission to the hospital 30 days before the date of admission to the hospital
Post-hospitalization
60 days after discharge from the hospital 90 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
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered Covered Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to 10% sum insured Not Covered
Emergency Ambulance
Up to Rs 1,000 per hospitalisation Up to Rs 3,000 per hospitalisation Up to Rs 5,000 per hospitalisation
Vital : Network Hospital - 1,500 per hospitalisation;
Non-network Hospital: Covered up to Rs. 1,500 per hospitalisation;
Superior : Network Hospital - Actuals;
Non-network Hospital: Covered up to Rs. 2,000 per hospitalisation;
Premier : Network Hospital - Actuals;
Non-network Hospital: Covered up to Rs.5,000 per hospitalisation;
maximum of Rs. 2,000 per hospitalization
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)
Vital : Not Covered;
Superior:In case of dental consultations and diagnostics ,our liability will be restricted to 70% of admissible bills;
Premier : In case of dental consultations and diagnostics ,our liability will be restricted to 70% of admissible bills
Dental treatment, necessitated due to disease or injury
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 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.
Vital (3 to 10 Lakhs): Normal delivery - 15,000 to 25,000;
Caesarian - 25,000 to 45,000;
Superior (15 to 25 Lakhs): Normal delivery - 30,000 to 40,000;
Caesarian - 50,000 to 60,000;
Premier (50 Lakhs to 1 Crore): Normal delivery - 50,000;
Caesarian - 1,00,000;
(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.
Vital: Not Covered;
Superior: Covered;
Premier: Covered
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
Vital: Not Covered;
Superior: Max 3,500;
Premier: Max 5,000
Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Covered 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 Not Available Not Available
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
Co-pay
No co-pay No co-pay No co-pay
60 to 64 years : 20% Co-pay
65 to 69 years : 25% Co-pay
70 to 74 years : 30% Co-pay
75 and above years : 40% Co-pay
5% co-pay on all claims
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. Pre-existing diseases covered after 2 years of continuous coverage. Pre-existing diseases 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 100% of base sum insured for all types of illnesses Not Covered
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. 50% for every claims free year to a maximum of 100%. 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
Available sum insured options
2 to 5 Lakhs 3 to 20 Lakhs 5 to 50 Lakhs
Vital : 3 to 10 Lakhs;
Superior : 15 to 20 Lakhs;
Premier : 50 to 1 Crore
1 to 5 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 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 1 day to lifelong,dependent children (Unmarried and up to the age of 25 years) Adults from 18 to 65 years (dependents 91 days to 25 years).If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
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. Covered up to Rs.500/day to maximum of 30 days Not Covered
Claims loading
No Loading No Loading No Loading No Loading No 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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Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025