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TATA AIG vs Max Bupa Health Insurance

Compare TATA AIG vs Max Bupa Insurance Plans
Plan Type
Health
Coverage type
Coverage State
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Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
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Tata AIG Max Bupa
Claims Settlement Ratio** 80.61% 85.96%
Number of Lives Covered* 22,48,000 54,33,000
Network Hospitals 4,000 + 4,500 +
  • * 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 Max Bupa Heartbeat Max Bupa premia Max Bupa Companion Max Bupa Go-Active
Medicare Protect Medicare Medicare Premier Heartbeat Premia Companion Go-Active
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 up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
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
Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Silver and Gold: Covered up to Sum Insured (except for Suite or above room category)
Platinum: Covered up to Sum Insured
Covered up to Sum Insured (except for Suite or above room category)
4 Lakhs: Up to 1% of base sum insured per day
5 to 25 Lakhs: No restriction (except suite or above room category)(Limit included in Inpatient Care sum insured)
ICU Charges
Covered Covered Covered Covered up to Sum Insured Covered Covered
4 Lakhs: Up to 2% of base sum insured per day
5 to 25 Lakhs: No restriction (except suite or above room category)
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 60 days(Covered upto sum insured) 90 days before the date of admission to the hospital 30 days before the date of admission to the hospital 90 days before the date of admission to the hospital
Post-hospitalization
60 days after discharge from the hospital 90 days after discharge from the hospital 90 days after discharge from the hospital 90 days(Covered upto sum insured) 180 days after discharge from the hospital 60 days after discharge from the hospital 180 days after discharge from the hospital
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured
Domiciliary Treatment
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 Covered up to sum insured Covered up to 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
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Network Hospital: Covered up to Sum Insured
Non-network Hospital: Covered up to Rs.2,000 per event
Up to Rs.3,000 per hospitalisation Up to Rs.3,000 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 Out patient dental treatment is covered Covered except for inpatient hospitalization due to an Accident Not Covered
Bariatric Surgery
Not Covered Covered Covered Not Covered
Silver : Not Available
Gold: Covered up to Rs.1,00,000
Platinum: Covered up to Rs.1,50,000
(waiting period 3 Years)
Not Covered Not Covered
Ayush Benefit
Covered upto Sum Insured Covered upto Sum Insured Covered upto Sum Insured Covered Covered Covered upto Reasonable and Customary Charges Covered Ayurveda, Unani, Sidha 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 year)
Gold (5 Lakhs): Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 15 Lakhs: Covered up to Rs.120,000
20 Lakhs: Covered up to Rs.160,000
50 lakhs & 1 crore: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
Silver - 5 Lakhs: Covered up to Rs.40,000
7.5 Lakhs: Covered up to Rs.60,000
Gold - 10 Lakhs: Covered up to Rs.70,000
15 Lakhs: Covered up to Rs.75,000
20 Lakhs: Covered up to Rs.80,000
30 & 50 Lakhs: Covered up to Rs.1,00,000
Platinum - 1 crore to 3 crores: Covered up to Rs.200,000
(After continuous coverage of 24 months, up to 2 pregnancy)
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
Covered upto Sum Insured Covered upto Sum Insured Not Covered 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 until new born baby completes one year vaccinations
(as mentioned in the policy document)
Covered until new born baby completes one year Not 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 Covered up to sum insured Covered up to sum insured
Vaccination (In case of post bite treatment)
Not Covered Covered Covered Not Covered Not Covered
Varient1 ( 2 to 4 Lakhs): Up to Rs.2,500
Varient2 ( 5 to 12.5 Lakhs): Up to Rs.5,000
Varient3 ( 15 to 100 Lakhs): Up to Rs.7,500(OPD benefit upto defined limit as part of overall limit)
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
Gold - 5 Lakhs: Annually covered up to Rs.1,250 per insured person
7.5 Lakhs: Annually covered up to Rs.1,875 per insured person
10 to 50 Lakhs : Annually covered up to Rs.2,500 per insured person
( Minimum 48 hrs of continuous hospitalisation required. Maximum coverage offered for 30 days/policy year)
Platinum - 15 Lakhs: Annually covered up to Rs.3,750 per insured person
20 Lakhs to 1 Crore: Annually covered upto Rs.5,000 per insured person
Silver (5 Lakhs): Covered up to worth Rs 1,250 per insured person
Silver (7.5 Lakhs): Covered up to worth Rs 1,875 per insured person
Gold (10 to 20 Lakhs): Covered up to worth Rs 2,500 per insured person
Gold (30 Lakhs): Covered up to worth Rs 5,000 per insured person
Gold (50 Lakhs): Covered up to worth Rs 7,500 per insured person
Platinum (1crore to 3Crores): Covered up to worth Rs 10,000 per insured person
Varient1 ( 2 to 4 Lakhs): once in every 2years
Varient2 & Varient3: Once in every year
Available
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
Gold: Rs.3,000 per day
Platinum: Rs.6,000 per day
(Min 48hrs contineous hospitalisation required coverage offered for 30 days/policy year)
Silver: Rs.3,000 per day
Gold: Rs.5,000 per day
Platinum: Rs.7,500 per day
Varient1: Rs.1,000 per day
Varient2: Rs. 2,000 per day
Varient3: Rs. 4,000 per day
(Min 48hrs contineous hospitalisation required)
(optional)
Not covered
Co-pay
No co-pay No co-pay No co-pay Options of 10% and 20% co-payment NIL co-pay for all inpatients, Up to 20% for OPD & other treatments NIL co-pay for all inpatients, 10% for OPD treatment NIL co-pay for all inpatients, Up to 20% for OPD & other treatments
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 2 years of continuous coverage Pre-existing diseases covered after 4 years of continuous coverage
Pre-existing diseases for 2 to 4 Lakhs is covered after 4 years and for 5 to 100 Lakhs is covered after 3 years of continuous coverage
Pre-existing diseases covered after 3 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 Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year Up to 100% of Base Sum Insured per year
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% on base sum insured for every claim free year and up to 100% 10% on base sum insured for every claim free year and up to 100% 20% on base sum insured for every claim free year and up to 100% Not Covered
Emergency Air Ambulance
Not Covered Not Covered Covered
Gold: Not Covered
Platinum: Covered up to Sum Insured
Covered up to Sum Insured Not Covered Not Covered
Available sum insured options
Rs.2 to 5 Lakhs Rs.3 to 20 Lakhs Rs.5 to 50 Lakhs
Gold: Rs.5 to 50 Lakhs
Platinum: Rs.15 Lakhs to 1 Crore
Silver: Rs.5 to 7.5 Lakhs
Gold: Rs.10 to 50 Lakhs
Platinum: Rs.1 to 3 crores
Varient1: Rs.2 to 4 Lakhs
Varient2: Rs.5 to 12.5 Lakhs
Varient3: Rs.15 to 100 Lakhs
Rs.1 to 25 Lakhs
Policy can be purchased for
1/2/3 years 1/2/3 years 1/2/3 years 1/2 years 1/2/3 years 1/2 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 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 years) Adults from 18 to 99 years (dependents 91 days to 17 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
Not Covered 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
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 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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