Compare TATA AIG vs Reliance health insurance Plans
| 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 + |
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| Medicare Protect | Medicare | Medicare Premier | HealthGain | Healthwise | Health Infinity | 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 | Covered, no sub limits | 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 | 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 | 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 |
90 days before the date of admission to the hospital | 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 |
180 days after discharge from the hospital | 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 | 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 | Covered up to 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 to Rs.3000 per hospitalisation | Standard Plan: 500 per hospitalisation Silver Plan: 750 per hospitalisation Gold Plan: 1000 per hospitalisation |
Covered, No Sub-limits | 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 | Not covered | Covered |
| Bariatric Surgery | ||||||
| Not covered | Covered | Covered | Not 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 | 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 | 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 | 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 | 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 | No-sublimit | Not covered |
| Vaccination (In case of post bite treatment) | ||||||
| Not covered | Covered | Covered | Not 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 |
10% discount on health check-up | 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 | 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 | 10%, if opted | 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 36 months of continuous coverage. | 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 | Equal to 100% of Sum Insured | Not applicable |
| General waiting period | ||||||
| 30 days | 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. | 10% discount on renewal premium | 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 | 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 | 3 lakhs to 1 crore | 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 | 1/2/3 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 | 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 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 | 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 | Not covered |
| Claims loading | ||||||
| No 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 | 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 | Income tax benefit under section 80D |
