Tata AIG vs Kotak General Health Insurance

Compare Tata AIG vs Kotak General 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
* Name, Email Id & Mobile No. are required 
TATA AIG Kotak General
Claims Settlement Ratio ** 80.61% 77.71%
Number of Lives Covered * 22,48,000 4,39,000
Network Hospitals 4,000 + 3,900 +
  • * 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 Kotak General Care Kotak General Premier Kotak General Arogya Sanjeevani
Medicare Protect Medicare Medicare Premier Health Care Health 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 base sum insured 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 No Cap on room rent for this plan Capped at 1% for sum insured less than equal to 4 lakhs No cap on room rent for this plan Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered Covered Covered Covered Covered Up to 5% of sum insured subject to maximum of 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 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 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 150 day care procedures are covered 405 day care procedures are covered All day care procedures are covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Not Covered Up to base 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 Up to Rs.1,500 Covers up to Rs.20,000 per year Covered
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 Covered(covered from reward points)
(1 Reward point = 0.25Rupees)
Dental treatment, necessitated due to disease or injury
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 Not Covered Up to base sum insured 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. Not Covered
Advantage: Not Covered
Edge: Up to Rs.25,000 for normal and Rs.35,000 for Cesarean(optional)
Elite: Up to Rs.50,000 for normal and Cesarean(optional)
(Waiting period: 36 months)
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. Not Covered
Advantage: Not Covered
Edge & Elite: Within Maternity Benefit Sum Insured(optional)
(Waiting period: 3years)
Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured
Up to Base Annual Sum Insured
(Optional)
Up to base sum insured Not Covered
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 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 For each insured person above 18 years of age, each policy year for specified tests For each insured person above 18 years of age, each policy year for specified tests Covered 56 years and above
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.
Rs.500 per day for minimum of Extensions 3 days subject to maximum of 10 days
(Optional)
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.3,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Co-pay
No co-pay No co-pay No co-pay NIL co-pay for all treatment NIL co-pay for all treatment 5% Co-pay applicable 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. Covered after a waiting period of 4 years
Advantage: Covered after a waiting period of 4 years
Edge: Covered after a waiting period of 4 years
Elite: Covered after a waiting period of 3 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 Up to 100% of base sum insured paid for unrelated illness/accidents Up to 100% of base sum insured for unrelated illness/accidents 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% for every claim free year up to 50% of sum insured
Advantage: 10% for every claim free year up to 50% of sum insured
Edge: 10% for every claim free year up to 100% of sum insured
Elite: 10% for every claim free year up to 100% of sum insured
5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not covered Not covered Covered Not Covered
Advantage: Not Covered
Edge: Not Covered
Elite: Up to 10% of base sum insured and subject to a maximum of 5lakhs
(optional)
Not Covered
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs
Individual:
Excel: Rs.2 to 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Floater:
Excel: Rs.3 & 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Advantage: Rs.3 to 10 Lakhs
Edge: Rs.5 to 20 Lakhs
Elite: Rs.10 to 25 Lakhs
Rs.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 1/2/3 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 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) Adults from 18 to 65 years (dependents 91 days to 5 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
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
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.1,500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Claims loading
No Loading No Loading No Loading Loading Loading 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 07/08/2022