TATA AIG vs Reliance health insurance

Compare TATA AIG vs Reliance 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 Reliance
Claims Settlement Ratio ** 80.61% 80.61%
Number of Lives Covered * 22,48,000 22,48,000
Network Hospitals 4,000 + 4,000 +
  • * 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 tata aig medicare tata aig medicare tata aig medicare premier
Medicare Protect
Medicare
Medicare Premier
HealthGain
Healthwise
Standard
Silver
Gold
Arogya Sanjeevani
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 illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours. Covers hospitalisation expenses due to an disease/illness/injury per policy period Covers hospitalisation expenses
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 Actual No sub-limit Up to 2% of the sum insured subject to maximum of Rs.5000 per day.
ICU Charges
Covered Covered Covered Not covered Not covered expenses 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 60 days
Standard Plan: 30 days
Silver & Gold Plan: 60 days
Covers medical expenses incurred 30 days prior to the date of hospitalisation.
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
Standard Plan: 60 days
Silver & Gold Plan: 90 days
Covers medical expenses incurred up to 60 days from the date of discharge.
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered All day care procedures are covered All day care procedures are covered Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure.
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Up to 10% of base sum insured,subject to maximum of Rs.50000 Yes - Limited to 10% of sum insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation 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 to Rs.3000 per hospitalisation
Standard Plan: 500 per hospitalisation
Silver Plan: 750 per hospitalisation
Gold Plan: 1000 per hospitalisation
Up to Rs.2,000 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 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 Not covered Not covered Covered, No Sub limits
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 Not covered 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 Not 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 Not covered Not covered Not covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured ​50% of SI up to max Rs.5 lakhs Available only under Gold and Silver plans 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 Not covered
Standard Plan: No
Silver Plan 7: Rs.250 per day for a maximum period of 5 days
Gold Plan: Rs.300 per day for a maximum period of 5 days
Not 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
Standard Plan: No
Silver Plan: No
Gold Plan: Rs.250 per day up to 7 days
Not covered
Co-pay
No co-pay No co-pay No co-pay NIL for insureds < 61 years/ 20% co-pay for ages > 61 years Not covered 5% for 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 36 months of continuous coverage. Covered after 4 continuous renewals for Standard plan & 2 continuous renewals for Silver and Gold plan. Pre-existing diseases covered after 48 months 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 applicable Not applicable Not applicable
General waiting period
30 days 30 days 30 days 30 days 30 days 48 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. 33.33% increase in Base SI for every claim free year; Max up to 100%. 33.33% decrease in Base SI for every claim year; Max up to Cumulative Bonus earned. Continuity Benefits Shall be available only if the policy is renewed within 30 days from the previous policy expiry date. Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI.
Emergency Air Ambulance
Not covered Not covered covered Not covered Not covered Not covered
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs Plan A: 3 lakhs, 6 lakhs & 9 lakhs
Plan B: 12 lakhs,15 lakhs & 18 lakhs
5 lakhs 1 lakhs, 1.5 lakhs, 2 lakhs, 2.5 lakhs, 3 lakhs, 3.5 lakhs, 4 lakhs, 4.5 lakhs and 5 lakhs.
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1 years 1 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 65 years. No entry age bar for an insured sum of 3 lakh covered under the policy Maximum age to enter the plan is 65 years covered under the policy Child: 91 days to 25 years
Adult: 18 years to 65 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 Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading No 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 07/08/2022