Tata AIG vs Universal Sompo Health Insurance

Compare TATA AIG vs Universal Sompo

Plan Type
Health
Coverage type
Coverage State
Coverage City
Date of birth
  OR age    years
Coverage amount
Gender
* Name, Email Id & Mobile No. are required 
Tata Aig Medicare Protect Tata Aig Medicare Tata Aig Medicare Premier universal-sompo universal-sompo
Medicare Protect
Medicare
Medicare Premier
Complete Healthcare
Basic
Essential
Privilege
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
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 Covered Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Covered Covered Covered Not covered Up to 5% of the sum insured subject to maximum of Rs.10,000 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 Up to 30 days Covered 30 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 Up to 60 days Covered 60 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 Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Not Covered
Emergency Ambulance
Up to Rs.1,000 per hospitalisation Up to Rs.3,000 per hospitalisation Up to Rs.5,000 per hospitalisation
Basic: Up to 1% of Sum insured or Rs.1,000 or actuals whichever is less.
Essential: Up to 1% of Sum insured or Rs.2,000 or actuals whichever is less.
Privilege: Up to 1% of Sum insured or Rs.3,000 or actuals whichever is less.
Subject to a maximum of Rs.2,000 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) Inpatient Dental Treatment up to 100% of In-patient Treatment Sum Insured. Dental treatment necessitated due to disease or injury
Bariatric Surgery
Not covered Covered Covered Covered Not Covered
Ayush Benefit
Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Up to Sum insured 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.
Basic: Not covered
Essential: Normal Delivery: up to Rs.15,000 or actuals whichever is less Caesarean Delivery: up to Rs.25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
Privilege: Normal Delivery: Up to Rs.25,000 or actuals whichever is less Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less
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.
Basic: Not covered
Essential & Privilege: Up to Basic Sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier.
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
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered Not Covered
Vaccination (In case of post bite treatment)
Not covered Covered Covered Inpatient treatment- Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less. 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
  1. Coupon at the end of every claims two continuous claims free year
  2. Coupons in case of family floater
Not 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. Not covered Not Covered
Co-pay
No co-pay No co-pay No co-pay Covered 5% Co pay applicable on all claims
Pre-existing diseases coverage
Pre-existing diseases covered after 5 years of continuous coverage. Pre-existing diseases covered after 3 years of continuous coverage. Pre-existing diseases covered after 2 years of continuous coverage. Covered after a waiting period 36 months Covered after a waiting period of 4 years
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 Covered Not Covered
General waiting period
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% in increase in Sum insured for every claims free year subject to maximum of 50%.
The increased Sum insured shall be decreased by 10% in event of claim but Sum insured shall not be reduced
5% for every claim free year up to 50% of sum insured
Emergency Air Ambulance
Not covered Not covered Covered Not covered Not Covered
Available sum insured options
2 lakhs to 5 lakhs 3 lakhs to 20 lakhs 5 lakhs to 50 lakhs
Basic: Rs.1 Lakh, Rs.2 Lakh
Essential: Rs.3 Lakh, 4 Lakh and 5 Lakh
Privilege: Rs.6 Lakh, Rs.7 Lakh, Rs.8 Lakh , Rs.9 Lakh and Rs.10 Lakh
Rs.1 to 5 Lakhs
Policy can be purchased for
1 /2/3 years 1 /2/3 years 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 5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
Minimum: 18 for adults and policyholder
91 days for dependent children
1 day for children under floater plan
Maximum: 70 years
Adults from 18 to 65 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
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.
Basic: Not covered
Essential: Rs.300 per day subject to maximum of Rs.9,000
Privilege: Rs.500 per day subject to maximum of Rs.15,000.
Not Covered
Claims loading
No Loading No Loading No Loading No Loading No Loading
Portablity (At the time of renewal)
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
Useful Links
TATA AIG UNIVERSAL SOMPO
Claims Settlement Ratio ** 80.61% 95.31%
Number of Lives Covered * 22,48,000 1,137,000
Network Hospitals 4,000 + 4,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025