Tata AIG vs Cholamandalam Health Insurance

Compare TATA AIG vs Bajaj Allianz Health Insurance Plans
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Tata AIG Cholamandalam
Claims Settlement Ratio** 80.61% 73.87%
Number of Lives Covered* 22,48,000 1,806,000
Network Hospitals 4,000 + 7,250 +
  • * 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 Cholamandalam Healthline Cholamandalam FlexiHealth Cholamandalam Arogya Sanjeevani
Medicare Protect
Medicare
Medicare Premier
Healthline
Value
Freedom
Enrich
Priviledge
Flexi Health
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 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
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2 Lakhs. For Rs.1 Lakh / 2 Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs 3,000 per day respectively
NIL Room Rent restrictions Covered
ICU Charges
Covered Covered Covered Covered Not Covered Not Covered
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
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital
30 days 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
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital
60 days 60 days
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered Covered Covered All day care procedures covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered (Maximum 7 days) Covered Covered
Emergency Ambulance
Up to Rs.1,000 per hospitalisation Up to Rs.3,000 per hospitalisation Up to Rs.5,000 per hospitalisation
Value Healthline: Rs.1,000 per hospitalisation;
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 per hospitalisation
Up to 1% of SI subject to a maximum of `2,000/- per hospitalisation Maximum of Rs. 2000 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)
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Not Covered Covered
Bariatric Surgery
Not Covered Covered Covered Not Covered Not Covered Not Covered
Ayush Benefit
Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered Covered Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy
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)
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Upto 2 deliveries, after 3 consecutive renewals)
Not Covered 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
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered upto Sum Insured of Mother / Floater Sum Insured
Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date 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
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.
Value & Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilage Healthline: Not Covered
(Additional benefit)
Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Covered Not Covered
Vaccination (In case of post bite treatment)
Not Covered Covered Covered Not Covered 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
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
health check-up - once in every 2 claim-free years No pre-policy health check-up before 50 years of age
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.
Value & Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000(Minimum 10 days Hospitalization)
(Additional benefit)
Daily benefit of `500/- per day towards accompanying person expenses, up to a maximum of 10 days per policy period Not Covered
Co-pay
No co-pay No co-pay No co-pay
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered
(for age above 55years)
No co-pay Co-pay fixed at 5% for all ages/sum insureds in this policy
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 4 years of continuous coverage Pre-existing diseases covered after 3 years of continuous coverage Benefits not available for any pre-existing condition(s) until 48 consecutive 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 Covered Covered Not Covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days (not applicable on renewal and for accidents)
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
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
10% for every claim-free year up to 50% of sum insured 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
Available sum insured options
Rs.2 to 5 Lakhs Rs.3 to 20 Lakhs Rs.5 to 50 Lakhs
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilage Healthline: Rs.5 to 25 Lakhs
Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs
Minimum Sum Assured is ₹ 1 Lac
Maximum Sum Assured is ₹ 5 Lacs
(Sum Assured can be opted for in multiples of ₹50,000)
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years 1/2/3 years
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 90 days to 26 years) Adults from 18 to 65 years and Children 03 months to 26 years Adults from 18 to 65 years and Children 03 months to 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
Claims 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
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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Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025