Tata AIG vs HDFC ERGO Health Insurance

Compare TATA AIG vs HDFC ERGO 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 HDFC ERGO
Claims Settlement Ratio** 80.61% 85.97%
Number of Lives Covered* 22,48,000 96,05,000
Network Hospitals 4,000 + 10,000 +
  • * 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 Hdfc ergo Hdfc ergo Hdfc ergo
Medicare Protect
Medicare
Medicare Premier
Health Suraksha
Gold Smart
Platinum Smart
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
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 Covered Covered Covered
ICU Charges
Covered Covered Covered At Actuals At Actuals At Actuals
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 60 days before the date of admission to the hospital 60 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 180 days after discharge from the hospital 180 days after discharge from the hospital 180 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 Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Covered
Emergency Ambulance
Up to Rs 1,000 per hospitalisation Up to Rs 3,000 per hospitalisation Up to Rs 5,000 per hospitalisation Pays for expenses for utilizing ambulance services in an emergency Pays for expenses for utilizing ambulance services in an emergency Pays for expenses for utilizing ambulance services in an emergency
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 Not Covered
Bariatric Surgery
Not Covered Covered Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy Pays for medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy
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)
Covered Covered 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.
Covered Covered 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 Covered Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Pays for medical expenses for an organ donor's treatment in the event of organ transplantation Pays for medical expenses for an organ donor's treatment in the event of organ transplantation Pays for medical expenses for an organ donor's treatment in the event of organ transplantation
Vaccination (In case of post bite treatment)
Not Covered Covered Covered Not Covered Not Covered Not Covered
Health Check-up
Up to 1% of previous sum insured subject to a maximum of Rs. 10,000/ policy Up to 1% of previous sum insured per policy Up to 1% of sum insured subject to a maximum of Rs. 10,000 policy Covered 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 Not Covered Not Covered
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/ 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/ day for one accompanying adult for 24 hours.
Not Covered Not Covered Not Covered
Co-pay
No co-pay No co-pay No co-pay No co-pay for all treatment, Optional Co pay available between 10%/20%; No co-pay for all treatment, Optional Co pay available between 15%/25%; No co-pay for all treatment, Optional Co pay available between 15%/25%
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 3 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage. Pre-existing diseases covered after 3 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 Not Covered Not Covered
General waiting period
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% on base sum insured for every claim free year and up to 100%; 10% on base sum insured for every claim free year and up to 200%. 25% on base sum insured for every claim free year and up to 200%.
Emergency Air Ambulance
Not Covered Not Covered Covered Not Covered. Up to 2 lakhs. Up to 5 lakhs.
Available sum insured options
2 to 5 Lakhs 3 to 20 Lakhs 5 to 50 Lakhs 2 to 5 Lakhs 7.5 to 15 Lakhs 20 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 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 Years to lifetime entry (dependents 91 days to 25 years) Adults from 18 Years to lifetime entry (dependents 91 days to 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 Renewal for whole life
Claims loading
No Loading No Loading No Loading Loading Loading No Loading
Portablity(At the time of renewal)
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
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025