Compare TATA AIG vs Bajaj Allianz Health Insurance Plans
| 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 + |
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| Medicare Protect
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Medicare
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Medicare Premier
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Health Guard
Gold
Platinum
Silver
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Health Ensure
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Health Care Supreme
Ultimo
Vital
Smart
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Arogya Sanjeevani
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| 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) |
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| 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 |
| Useful Links | ||||||
