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Tata Aig vs Star Health Insurance


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TATA AIG health insurance

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Star Comprehensive Health Insurance

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Medicare Medicare Premier
Policy can be purchased for 1 /2/3 years 1 /2/3 years 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 Adults from 18 to 65 years (dependents 3 months to less than 25 years)
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.5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 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 Room (Single Standard A/C), Boarding and Nursing expenses, and other medical expenses.
Pre-hospitalization 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital Medical expenses upto 30 days prior to the date of admission
Post-hospitalization 90 days after discharge from the hospital 90 days after discharge from the hospital Medical expenses up to a period of 60 days after the discharge from the Hospital
Day Care Procedures 540+ listed Day Care Treatment covere 540+ listed Day Care Treatment covere 405 day care procedures are covered
Domiciliary Treatment Covered up to sum insured Covered up to sum insured Covered
Organ Donor Expenses Covered up to sum insured Covered up to sum insured Not covered
Emergency Ambulance upto ₹ 3,000 per hospitalisation upto ₹ 5,000 per hospitalisation
Ambulance Charges (per policy period)
Sum Insured(Rs.)By RoadBy Air
5 lacsUp to Rs.2,000/-Not covered
7.5 lacsUp to Rs.3,000/-Up to 10% of sum insured
10 lacsUp to Rs.3,500/-Up to 10% of sum insured
15 lacsUp to Rs.4,000/-Up to 10% of sum insured
20 lacsUp to Rs.4,500/-Up to 10% of sum insured
25 lacsUp to Rs.5,000/-Up to 10% of sum insured
Dental Treatment Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness 10,000 (OPD Dental) Out-patient Dental/Ophthal:
Rs.5 lakhs, 7.5 lakhs sum insured: up to Rs.5,000/-
Rs.10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs sum insured: up to Rs.10,000/-
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.
Delivery Charges (covered after waiting period of 3 years)
Sum Insured(Rs.)Normal DeliveryCaesarean Section
5 lacsUp to Rs.10,000/-Up to Rs.15,000/-
7.5 lacsUp to Rs.20,000/-Up to Rs.40,000/-
10, 15, 20 & 25 lacsUp to Rs.25,000/-Up to Rs.40,000/-
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. 5 lakhs sum insured: Up to Rs.50,000/-
Rs.7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs Sum Insured: Up to Rs.1,00,000/-
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 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. Up to Rs.1,000 for 5lacs, 7.5lacs, 10lacs, 15lacs, 20lacs, 25lacs
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 Rs.5 lakhs Sum Insured: Rs.5,000/-
Rs.7.5 lakhs, 10 lakhs Sum Insured: Rs.7,500/-
Rs.15 lakhs, 20 lakhs, 25 lakhs Sum Insured: Rs.12,000/-
(Covered after 3 claim free years)
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. Rs.5 lakhs sum insured: Rs.500/-
Rs.7.5 lakhs, 10 lakhs sum insured: Rs.750/-
Rs.15 lakhs, 20 lakhs sum insured: Rs.1,000/-
Rs.25 lakhs sum insured: Rs.1,500/-
(upto 7 days per occurrence & upto 120 days per policy period)
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 continuous coverage of 4 years
Restore benefit Not applicable Not applicable 100% after exhaustion of sum insured
General waiting period 30 days 30 days 30 days
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. Bonus 50% for every claim free year, maxmium 100% for sum insured Rs.5 Lacs
Bonus 100% for every claim free year, maxmium 100% for sum insured above Rs.5 Lacs
Co-pay Optional No co-pay 10% of each and every claim made by insured persons who are above 60 years at entry level
Claims loading Not applicable Not applicable Yes
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

Plan benefits

TATA AIG health insurance

 Hospitals    Buy online

Star Comprehensive Health Insurance

 Hospitals    Buy online

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022