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TATA AIG vs Apollo Munich Health Insurance

Compare TATA AIG vs Apollo Munich Health Insurance Plans
Plan Type
Health
Coverage type
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Tata AIG Apollo Munich
Claims Settlement Ratio** 80.61% 89.50%
Number of Lives Covered* 22,48,000 51,16,000
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 Apollo Munich Premium Apollo Munich Optima Restore Apollo Munich Arogya sanjeevani
Medicare Protect Medicare Medicare Premier Easy Health Optima Restore 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 sum insured Covered 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 Covered Covered 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 the 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 Covered up to 60 Days Covered up to 60 Days 30 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 Covered up to 90 Days Covered up to 180 Days 60 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 All day care treatments covered All day care treatments covered 142 day care expenses covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered upto 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.2,000 per hospitalisation Up to Rs.2,000 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)
Individual - Standard & Exclusive: Not Covered
Platinum (4 lakhs to 10 lakhs): Up to 1% of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.7,500
Family - Standard & Exclusive: Not Covered
Platinum (4 to 10 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.5,000
Platinum (15 to 50 Lakhs): Up to 1% of Sum insured subject to a maximum of Rs.10,000
(waiting period: 3 years)
Not Covered 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 Isured Covered up to Sum Insured Covered up to Sum Insured
Standard: Up to Rs.20,000
Exclusive & Platinum (3 to 10 Lakhs): Up to Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.50,000
Not Covered 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)
Standard: Not Covered
Exclusive & Platinum (3 to 10 Lakhs): Normal Delivery Rs.15,000, Caesarean Delivery Rs.25,000
Exclusive & Platinum (15 to 50 Lakhs): Normal Delivery Rs.30,000, Caesarean Delivery Rs.50,000
(Waiting Period: 4 Years)
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
Standard: Not Covered
Exclusive & Platinum: Additional Benefit on payment of additional premium
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 Covered Covered up to 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
Standard: Every 4 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Exclusive: Every 3 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Platinum: Every 2 years 1% of sum insured, up to Rs.5,000, irrespective of claim
Individual - 3 Lakhs: Not Covered
5 Lakhs: Up to Rs.1,500
10 Lakhs: Up to Rs.2,000
15 Lakhs: Up to Rs.4,000
20 to 50 Lakhs: Up to Rs.5,000
Family - 3 Lakhs: Not covered
5 Lakhs: Up to Rs.2,500
10 Lakhs: Up to Rs.5,000
15 Lakhs: Up to Rs.8,000
20 to 50 Lakhs : Up to Rs.10,000
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
Standard: Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (3 to 5 Lakhs): Rs.500 per day, maximum Rs.3,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.800 per day, maximum Rs.4,800
Exclusive & Platinum (15 to 50 Lakhs): Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
3 to 15 Lakhs: Rs.800 per day, maximum Rs.4,800
20 to 50 Lakhs: Rs.1,000 per day, maximum Rs.6,000
(Choosing shared accommodation)
Not Covered
Co-pay
No co-pay No co-pay No co-pay NIL Co-pay under this plan NIL Co-pay under this plan 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 3 years 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 NIL Restoration Benefit under this plan Up to 100% of Base Sum Insured per year NIL Restoration benefit
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% 50% for every claim free year up to 100% of basic sum insured 5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not covered Not covered covered
Standard: Not Covered
Exclusive & Platinum (3 to 10 lakhs): Not Covered
Exclusive & Platinum (15 to 50 Lakhs): Up to Rs.2.5 lakhs per hopsitalisation
3 to 5 Lakhs: Not Covered
10 to 50 Lakhs: Covered up to Rs.2.5 lakhs per hospitalization and maximum up to sum insured in an year
Not Covered
Available sum insured options
Rs.2 to 5 Lakhs Rs.3 to 20 Lakhs Rs.5 to 50 Lakhs
Individual - Standard Plan: Rs.1 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Family - Standard Plan: Rs.2 to 15 Lakhs
Exclusive Plan: Rs.3 to 50 Lakhs
Platinum Plan: Rs.4 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 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 years 1/2 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 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)
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
Standard: Not Covered
Exclusive & Platinum (3 to 5 Lakhs): Rs.300 per day, maximum Rs.9,000
Exclusive & Platinum (7.5 to 10 Lakhs): Rs.500 per day, maximum Rs.15,000
Exclusive & Platinum (15 to 50 Lakhs): Rs.800 per day, maximum Rs.24,000
Not Covered Not Covered
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 07/08/2022