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TATA AIG vs Apollo Munich Health Insurance


Plan benefits

TATA AIG health insurance

 Hospitals    Buy online

Apollo Munich health insurance

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Medicare Medicare Premier Optima Restore Easy Health
Policy can be purchased for 1 /2/3 years 1 /2/3 years 1 year / 2 years (if purchased for 2 years, a discount of 7.5% is applicable)
Family discount of 10% if 2 or more members are covered
1 year / 2 years (if purchased for 2 years, a discount of 7.5% is applicable)
Family discount of 5% for 2 members, 10% for 3 or more members
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 Adults from 18 to 65 years (dependents 91 days to 5 years) Adults from 18 to 65 years (dependents 91 days to 5 years)
Available sum insured options 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakh Rs.3 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs Rs.1 lakhs to 50 lakhs
Renewability Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
In-patient Treatment Covered upto max SI Covered upto max SI Covered up to sum insured Covered up to sum insured
Pre-hospitalization 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital Up to 60 days Up to 60 days
Post-hospitalization 90 days after discharge from the hospital 90 days after discharge from the hospital Up to 180 days Up to 90 days
Day Care Procedures 540+ listed Day Care Treatment covere 540+ listed Day Care Treatment covere All 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 Covered up to sum insured
Organ Donor Expenses Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Emergency Ambulance upto ₹ 3,000 per hospitalisation upto ₹ 5,000 per hospitalisation Up to Rs.2,000/- per hospitalization Up to Rs.2,000/- per hospitalization
Dental Treatment Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness 10,000 (OPD Dental) Not covered Covered after waiting period of 3 years
Ayush Benefit Covered Upto Sum Insured Covered Upto Sum Insured Not covered Up to Rs.20,000, Rs.25,000, Rs.50,000 depending on Sum Insured
Maternity Benefits Not covered Up to Rs.50,000/- (Rs.60,000/- in case of girl child) per policy. Waiting period 4 years. Not covered Covered after waiting period of 6 years
New Born baby cover 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 Additional benefit covered on payment of additional premium
Daily Cash for Accompanying an Insured Child 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
Plan NameSum InsuredDescription
Easy Health Exclusive3, 4, 5 lakhsRs.300 per day, max Rs.9,000
7.50, 10 lakhsRs.500 per day max Rs.15,000
15, 20, 25, 50 lakhsRs.800 per day, max Rs.24,000
Easy Health Premium4, 5 lakhsRs.300 per day, max Rs.9,000
7.50, 10 lakhsRs.500 per day, max Rs.15,000
15, 20, 25, 50 lakhsRs.800 per day, max Rs.24,000
Vaccination (In case of post bite treatment) Covers expenses related to Human Papilloma Virus (HPV) vaccine & Hepatitis B Vaccine after 2 years of continuous coverage and Antirabies vaccine & Typhoid vaccination without any waiting period. Covers expenses related to Human Papilloma Virus (HPV) vaccine & Hepatitis B Vaccine after 2 years of continuous coverage and Antirabies vaccine & Typhoid vaccination without any waiting period. Not covered Not covered
Health Check-up 1% of Sum Insured subject to 3 claims free years upto ₹10,000 It automatically restores your sum insured to 100% for you and your family members.
Sum InsuredIndividualFamily
3 lacsNot ApplicableNot Applicable
4 lacsUp to Rs.1,500/-Up to Rs.2,500/-
10 lacsUp to Rs.2,000/-Up to Rs.5,000/-
15 lacsUp to Rs.4,000/-Up to Rs.8,000/-
50, 25, 50 lacsUp to Rs.5,000/-Up to Rs.10,000/-
Easy Health Standard - Upto 1% of sum insured per insured person, only once at the end of a block of every continuous four claim free years.
Easy Health Exclusive - Upto 1% of sum insured subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous three policy years.
Easy Health Premium - Upto 1% of sum insured subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous two policy years.
Hospital daily allowance 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
Pre-existing diseases coverage Pre-existing diseases covered after 3 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage. Covered after a waiting period of 3 years Covered after a waiting period of 3 years
Restore benefit Not applicable Not applicable 100% of basic sum insured Not applicable
General waiting period 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus 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. 50% of sum insured for every claim free year, maximum up to 100% 10% for every claim-free year accumulating up to 100%
Co-pay Optional No co-pay No co-pay No co-pay
Claims loading Not applicable Not applicable Applicable Applicable
Portablity Yes Yes Yes (At the time of renewal) Yes (At the time of renewal)
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

Plan benefits

TATA AIG health insurance

 Hospitals    Buy online

Apollo Munich health insurance

 Hospitals    Buy online

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022