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TATA AIG vs Bajaj Allianz Health Insurance

Compare TATA AIG vs Bajaj Allianz Health Insurance Plans
Plan Type
Health
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Coverage amount
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  OR age    years
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TATA AIG BAJAJ ALLIANZ
Claims Settlement Ratio** 80.61% 94.55%
Number of Lives Covered* 22,48,000 2,46,85,000
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 Bajaj Health Guard Insurance Bajaj Health Ensure Bajaj Health care Supreme Bajaj Arogya Sanjeevani
Medicare Protect Medicare Medicare Premier Health Guard Health Ensure Health Care Supreme 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 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 Covers hospitalisation expenses due to an disease/illness/injury
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 Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
1% of sum insured per day max.Rs.5,000 per day Actual 2% of sum insured, Max Upto Rs.5,000 per day
ICU Charges
Covered Covered Covered Actual 2% of sum insured per day maximum Rs.10,000 per day Actual 5% of sum insured, maximum up to 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 Up to 30 days Up to 60 days Up to 30 days
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 Up to 60 days Up to 90 days Up to 60 days
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 Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Not covered Not covered Not covered Any expenses incurred on Domiciliary Hospitalization
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.20,000 per policy year Up to Rs.1,000 per hospitalisation Up to sum insured 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 out patient expenses procedures – Root Canal Treatment, Extractions Not covered
Bariatric Surgery
Not covered Covered Covered 50% of Sum insured max upto Rs.5 lakhs
(waiting period 3years)
Not covered Covered if medically indicated Not covered
Ayush Benefit
Covered upto sum insured Covered upto sum insured Covered upto sum insured covered Covered up to 20% of Sum Insured 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)
Not Covered
Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower
Gold: No sublimits
Not covered
Up to Rs.25,000 to Rs.1 lakh
( waiting period: 2 years)
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. 50% of Sum insured maximum up to Rs.5 lakhs Not covered Covered if medically indicated 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 Not covered Covered 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 Available up to Rs.500,000 Not Covered
Vaccination (In case of post bite treatment)
Not covered Covered Covered Not covered Not covered Not covered Not covered
Health Check-up
Upto 1% of previous sum insured subject to a maximum of Rs.10,000 per policy Upto 1% of previous sum insured per policy Upto 1% of sum insured subject to a maximum of Rs.10,000 per policy Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim Annual 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 Not covered Up to Rs.1,000 per day Not covered
Co-pay
No co-pay No co-pay No co-pay
Co-pay options of NIL / 20% based on Zonewise treatment availed
Co-pay options of NIL / 20% based on Zonewise treatment availed Not applicable Not applicable
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 2 years Covered after a waiting period of 2 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 Restoration benefit available upto 100% of Base Sum Insured Not applicable Restoration benefit available upto 100% of Base Sum Insured Not applicable
General waiting period
30 days 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% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) 5% on base sum insured for every claim free year and up to 25% 10% on base sum insured for every claim free year and up to 50% 5% on base sum insured for every claim free year and up to 50%
Emergency Air Ambulance
Not covered Not covered Covered Not covered Not covered Rs.50,000 to Rs.5 lakhs Not covered
Available sum insured options
Rs.2 to 5 Lakhs Rs.3 to 20 Lakhs Rs.5 to 50 Lakhs
Silver Plan: Rs.1.5 Lakhs, 2 Lakhs
Gold Plan: Rs.3 to 50 Lakhs
Individual: Rs.50,000 to 10 Lakhs
Floater: Rs.2 to 10 Lakhs
Rs.5 to 50 Lakhs Rs.1 to 5 Lakhs
Policy can be purchased for
1 /2/3 years 1 /2/3 years 1 /2/3 years 1 year / 2 years / 3 years 1 year / 2 years / 3 years 1 year 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 Adults from 18 to 65 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 30 years) Adults from 18 to 99 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 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. Up to Rs.500 per day maximum up to 10 days during each policy year Not covered Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading 5% for one condition,maximum up to 25% 10% for one condition, maximum up to 50% 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

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