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TATA AIG vs Reliance health insurance


Plan benefits

TATA AIG health insurance

 Hospitals    Buy online

Reliance Healthgain insurance

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Medicare Medicare Premier
Policy can be purchased for 1 /2/3 years 1 /2/3 years 1 year (if purchased for single women or girl child, a discount of 5% is applicable)
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 Adults from 18 to 65 years (dependents 91 days & up to 4 years can be covered under floater plan)
Available sum insured options 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakh Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs
Renewability Renewal for whole life Renewal for whole life Renewal for whole life
In-patient Treatment Covered upto max SI Covered upto max SI Covered
Pre-hospitalization 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital Up to 60 days
Post-hospitalization 90 days after discharge from the hospital 90 days after discharge from the hospital Up to 60 days
Day Care Procedures 540+ listed Day Care Treatment covere 540+ listed Day Care Treatment covere 172 day care procedures are covered
Domiciliary Treatment Covered up to sum insured Covered up to sum insured Up to 10% of base sum insured, maximum Rs.50,000/-
Organ Donor Expenses Covered up to sum insured Covered up to sum insured Up to 50% of the base sum insured, maximum Rs.5 lakh
Emergency Ambulance upto ₹ 3,000 per hospitalisation upto ₹ 5,000 per hospitalisation Up to Rs.1,500/- for 3 lakh, 6 lakh, 9 lakh
Up to Rs.3,000/- for 12 lakh, 15 lakh and 18 lakh (road ambulance)
Dental Treatment Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness 10,000 (OPD Dental) Not covered
Ayush Benefit Covered Upto Sum Insured Covered Upto Sum Insured Not covered
Maternity Benefits Not covered Up to Rs.50,000/- (Rs.60,000/- in case of girl child) per policy. Waiting period 4 years. Not covered
New Born baby cover 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. Not covered
Daily Cash for Accompanying an Insured Child 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
Vaccination (In case of post bite treatment) Covers expenses related to Human Papilloma Virus (HPV) vaccine & Hepatitis B Vaccine after 2 years of continuous coverage and Antirabies vaccine & Typhoid vaccination without any waiting period. Covers expenses related to Human Papilloma Virus (HPV) vaccine & Hepatitis B Vaccine after 2 years of continuous coverage and Antirabies vaccine & Typhoid vaccination without any waiting period. Not covered
Health Check-up 1% of Sum Insured subject to 3 claims free years upto ₹10,000 It automatically restores your sum insured to 100% for you and your family members. Not covered
Hospital daily allowance 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
Pre-existing diseases coverage Pre-existing diseases covered after 3 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage. Covered after a waiting period of 3 years
Restore benefit Not applicable Not applicable One Re-instatement upto 100% of base Sum Insured, subject to submit of 20% for related illness/injury
General waiting period 30 days 30 days Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one.
Renewal Benefit / Cumulative Bonus 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. 33% (i.e 1/3rd) increase in Base Sum Insured for every claim free year, max up to 100%
Co-pay Optional No co-pay 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy.)
Claims loading Not applicable Not applicable Not applicable
Portablity Yes Yes Yes (45 days before the renewal)
Tax benefits limit Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Value Added Services Not applicable Not applicable Wellness : Fabulous discounts and deals on a variety of health and lifestyle products and services.
Insurance Renewal: For sum insured Rs.12 Lakhs & above, one time auto extension of policy in case of covered critical illness
Accidental Death Cover for No Claim Renewal: Rs.1 Lakh Personal Accident Death cover for insured
Policy Service Guarantee: Even after receiving all completed documents, if there is a delay of more than 10 working days from the company in issuing your policy (new policy). Then the company pays you onetime additional sum insured of Rs 10,000/- for sum insured Rs.3 lakh, 6 lakh, 9 lakhs and Rs 20,000/- for sum insured 12 lakh, 15 lakh, 18 lakh.
Claim Service Guarantee:
1. Cashless claims - On receipt of required information / documents, If the company is unable to respond within 6 business hours, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount
2. Reimbursement Claims - On receipt of required information / documents, If the company is unable to respond within 21 days, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount

Plan benefits

TATA AIG health insurance

 Hospitals    Buy online

Reliance Healthgain insurance

 Hospitals    Buy online

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