Tata AIG vs IFFCO Tokio Health Insurance

Compare Tata AIG vs IFFCO Tokio Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
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TATA AIG IFFCO Tokio
Claims Settlement Ratio ** 80.61% 102.43%
Number of Lives Covered * 22,48,000 22,015,000
Network Hospitals 4,000 + 5,000 +
  • * 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 IFFCO Tokio IFFCO Tokio IFFCO Tokio IFFCO Tokio
Medicare Protect Medicare Medicare Premier Family Health Protector Swasthya Kavacha Policy Individual Medishield Policy Swasthya Raksha Bima
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
Individual Health Protector: Covered.
Family Health Protector: Covered.
Not covered Not covered Not 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
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured.
Base plan: 1.0% of the sum insured.
Wider plan: 1.5% of basic sum insured.
Covered up to a specified limit. Normal Room expenses: 1% of the Sum Insured per day
ICU Charges
Covered Covered Covered
Individual Health Protector: Covered up to sum insured.
Family Health Protector: Covered up to sum insured
Base plan: 2.0% of the sum insured.
Wider plan: 2.5% of the sum insured.
Covered up to a specified limit. Sub limit per day for ICU : 2.0% of the Sum Insured 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
Individual Health Protector: Up to 45 days.
Family Health Protector: Up to 45 days.
30 days before hospitalization Covered Up to 60 days Covered 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
Individual Health Protector: Up to 60 days.
Family Health Protector: Up to 60 days.
30 days after hospitalization Covered Up to 60 days Covered Up to 30 days
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Up to 121 day care surgeries covered. Defined day care surgeries.
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured
Individual Health Protector: up to 20% of the sum insured are covered
Family Health Protector: up to 20% of the sum insured are covered
Maximum sub-limit of 20% of the basic sum insured. Maximum sub-limit of 20% of the basic sum insured. Covered up to a max sub-limit of 20% of sum insured.
Emergency Ambulance
Up to Rs.1,000 per hospitalisation Up to Rs.3,000 per hospitalisation Up to Rs.5,000 per hospitalisation
Individual Health Protector: 1% of sum insured or Rs. 2500, whichever is less.
Family Health Protector: 0.75% of sum insured or Rs. 2500, whichever is less.
Base plan: Rs.750 or actual, whichever is less for each claim.
Wider plan: Rs.1500 or actual, whichever is less .
1% of sum insured up to a maximum of Rs.1500. Maximum to Rs.750 for each admissible claim.
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 Health Protector: Not covered
Family Health Protector: Not covered
Covered Not covered Not covered
Bariatric Surgery
Not covered Covered Covered
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Ayush Benefit
Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured
Individual Health Protector: Covered
Family Health Protector: Covered
Not covered Not covered Not 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.
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered 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.
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured
Individual Health Protector: Covered
Family Health Protector: Covered
Covered This plan offers coverage for medical expenses up to sum insured, on harvesting organ from the donor, for the insured. Actual within the overall limit of Sum Insured
Vaccination (In case of post bite treatment)
Not covered Covered Covered
Individual Health Protector: Up to 10% of total premium paid at end of block of 2 continuous, claim free policies.
Family Health Protector: Up to 7.5% of total premium paid at end of block of 2 continuous, claim free policies.
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
Individual Health Protector: 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Family Health Protector: Up to 1% of basic sum insured at end of block of 4 continuous, claim free policies.
Not Available This plan offers health check-up benefit equal to 1% of sum insured once every 4 continuous claim free years. 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.
Individual Health Protector: 0.20% of sum insured.
Family Health Protector: 0.15% of sum insured, subject to a maximum of Rs. 1,000.
Base plan: Rs.150 per day
Wider plan: Rs.250 per day
Covered up to a maximum Rs. 250 per day during hospitalization. Rs.150 per day of Hospitalization.
Co-pay
No co-pay No co-pay No co-pay
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered This plan does not have co-pay option. However, for packaged treatments, a sub limit equal to 80% of the sum insured is applicable. 35% Co-pay if the insured person undergoes medical treatment in Zone A Cities/Towns
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.
Individual Health Protector: Not covered
Family Health Protector: Not covered
Pre-existing diseases covered after 4 years of continuous coverage with us. Any pre-existing disease for a period of 3 years is not covered. Covered after 4 years 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
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
General waiting period
30 days 30 days 30 days 30 days Not covered Not covered Not covered
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.
Individual Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Family Health Protector: 5% of sum insured, maximum of 50% for claim free policy.
Base plan: N/A
Wider plan: Increase by 5% of basic sum insured at each renewal, maximum of 50% of basic sum insured
5% is offered for each claim free year at renewals. It is subject to a maximum 50% of the basic sum insured. In case, a claim is made, the bonus gets reduced by 10% at next renewal.
Not covered
Emergency Air Ambulance
Not covered Not covered Covered
Individual Health Protector: Not covered
Family Health Protector: Not covered
Not covered Not covered Not covered
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs
Individual Health Protector: Rs.50,000 to Rs.20 Lakh.
Family Health Protector: Rs.1.5 Lakh to Rs.30 Lakh
Rs.2 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh. Rs.50, 000 to Rs.5,00,000. Rs.1 Lakh to Rs.5 Lakh in multiples of Rs.1 Lakh.
Policy can be purchased for
1 /2/3 years 1 /2/3 years 1 /2/3 years -- -- 1 years 1 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
Individual Health Protector: 18 years and 65 years
dependent kids from the age of 91 days.
Family Health Protector: 18 and 65 years
Dependent kids are insured from Day 1
18 years to 65 years
dependent children above 3 months.
The policy offers coverage for persons between the ages of 3 months to 80 years.
18 years to 65 years
dependent children above 3 months.
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. Not covered Not covered Daily cash allowance of 1% of sum insured up to a maximum of Rs.250 is available in this plan. Not covered
Claims loading
No 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 No
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 07/08/2025