Tata AIG vs ManipalCigna Health Insurance

Compare Tata Aig vs ManipalCigna Insurance Plans
Plan Type
Health
Coverage type
Coverage State
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Coverage amount
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Tata AIG Manipal Cigna
Claims Settlement Ratio ** 80.61% 90.02%
Number of Lives Covered * 22,48,000 1,101,000
Network Hospitals 4,000 + 6,500 +
  • * 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 Max Bupa Heartbeat Max Bupa premia
Medicare Protect Medicare Medicare Premier ProHealth ProHealth Select
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
ProHealth Protect: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room
For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category
ProHealth Plus: Any hospital room except Suite
ProHealth Preferred: Any hospital room except Suite
ProHealth Premier: Any hospital room except Suite
ProHealth Accumulate: For sum insured up to Rs.5.5 Lakhs - Covered up to Single Private Room For sum insured Rs.7.5 Lakhs and Above - Covered up to any Room Category except Suite or higher category
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 Up to single private room / Unlimited eligibility based on plan opted Covered up to Single Private Room
ICU Charges
Covered Covered Covered Covered up to sum insured Up to 4% of sum insured for ICU up to a max of 7,000
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 Covered Up to 60 days Covered
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 Covered Up to 90 days Covered
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 500 plus listed Day Care treatments covered up to sum insured 171 procedures, Covered up to full sum insured
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Treatment at home covered up to sum insured Covered up to 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
ProHealth Plus: Up to 2000 per event
ProHealth Protect: Up to 3000 per event
ProHealth Plus: Actual expenses per event
ProHealth Preferred & ProHealth Premier: Up to 2000 per event
ProHealth Accumulate: Up to 2000 per event
Up to 2,000 per hospitalization event
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 Yes, if Bariatric surgery cover is opted Not covered
Ayush Benefit
Covered up to sum insured Covered up to sum insured Covered up to sum insured In-patient hospitalization covered up to sum insured Coverage for Ayurvedic, Yoga & Naturopathy, Unani, Siddha and Homeopathy up to the limit of sum insured
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.
ProHealth Plus: 15000 for normal; 25000 for C-section (per event
ProHealth Preferred: 50000 for normal; 1 lac for C-section (per event)
ProHealth Premier: 1 lac for normal; 2 lacs for C-section (per event)
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. Covered within maternity expenses 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 Covered over & above maternity expenses 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
Vaccination (In case of post bite treatment)
Not covered Covered 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
ProHealth Plus: Available each policy year(excluding the first year
ProHealth Protect: Available once every 3 rd policy year
ProHealth Preferred & ProHealth Premier: Available each policy year(excluding the first year)
ProHealth Accumulate: Available once every 3 rd policy year
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
Co-pay
No co-pay No co-pay No co-pay Covered Covered
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. Preferred plan & Premier plans covered after 24 months
Accumulate & Plus plans covered after 36 months
Protect plan covered after 48 months
Not Covered
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 per year 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.
ProHealth Plus: Available once every 3 rd policy year
ProHealth Protect & ProHealth Plus: Guaranteed 5%, Max - 200%
ProHealth Preferred & ProHealth Premier: Guaranteed 10%, Max - 200%
ProHealth Accumulate: Guaranteed 5%, Max - 200%
5% each year maximum up to 100% on non-reducing basis
Emergency Air Ambulance
Not covered Not covered Covered Not covered Not covered
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs
ProHealth Plus: 4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50
ProHealth Protect: 2.5, 3.5, 4.5, 5.5, 7.5, 10, 15, 20, 25, 30, 50
ProHealth Premier: 100
ProHealth Preferred: 15, 30, 50
ProHealth Accumulate: 5.5, 7.5, 10, 15, 20, 25, 30, 50
ManipalCigna ProHealth Select Insurance
Plan A: Rs.0.5 1,2,3,4,5,7,10,15,20,25 lakhs
Plan b: Rs.2,3,4,7,10,15,20,25 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 Min Entry Age: Child - 91 days, Adult - 18 years
Max Entry Age: No limit
Minimum Entry Age: 91 Months
Maximum Entry Age For Dependent Children: 23 Years
Maximum Entry Age for Adults: 65 years
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 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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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022