Tata AIG Health Insurance vs Care Health Insurance

Just when states across India managed to bring COVID-19 under control, the cases spiked up again. Now, in 2021 coronavirus cases are at an all-time high and the state governments are thinking of imposing lockdowns again. Such unpredictable change in nature is one crucial reason to have health insurance. Last year, the pandemic brought about more deaths and an increase in the number of people buying health insurance. So, if 2020 taught one anything, it is to be prepared in the face of a health crisis. Read this Tata AIG Health Insurance and Care Health Insurance comparison guide to see how health insurance can be of use to you during this time. 

Tata AIG Health Insurance vs Care Health Insurance – Overview 

Parameter  Tata AIG Health Insurance Care Health Insurance
No. of health insurance policies 14+ 14+
E-services Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support  Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support 
Branches 90+ 1000+
Claim settlement ratio 96.43% 92.3%
Cashless claim settlement time  4 hours 2 hours
Hospital network 5,800+  7,800+

Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) -years 2019-20. 

Health Insurance Policies: Tata AIG Health Insurance vs Care Health Insurance

Tata AIG Health Insurance is part of the reputed Tata Sons Group. Tata is a household name in India, well trusted across the nation’s remotest corners. The Tata Group ventured into providing health insurance in 2001. Since then, it has maintained a consistent performance. 

Care Health Insurance is part of Religare Enterprise and is operating across 146 locations in India since 2012. The company has been the recipient of various notable awards for its quality services including the ‘Best Claims Service Provider of the Year’ and the ‘Best Health Insurance Company.’ 

Maternity care Policy: 

Tata AIG’s Maternity Care Policy, called ‘Sakhi’ offers: 

  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Major pregnancy complications such as: 
  1. Disseminated Intravascular coagulation 
  2. Septic shock
  3. Eclampsia
  4. Embolism
  5. Ectopic pregnancy
  • Minor and intermediate pregnancy complications such as:
  1. Pre-eclampsia 
  2. Epilepsy
  3. Rheumatic heart disease
  4. Obstructed labour
  5. Post-partum hemorrhage 
  • Congenital disorders  
  • Additional 10% of the SI over and above the base SI on the birth of a girl child 
  • An intensive care unit benefit, a high-risk pregnancy check-up benefit, and a family transportation benefit 

Separately, it also provides maternity insurance its family floater policies – Medicare, Medicare Plus, and more. 

Care Health Insurance’s Maternity care Policy, called ‘Joy’, offers: 

  • Sum insured (SI) amounts up to Rs. 5,00,000 
  • Only a 9-month waiting period 
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Daycare procedures
  • Newborn baby needs 
  • Congenital disorders
  • Advanced technology treatments 
  • Ambulance charges up to Rs. 1,000

Senior Citizen Policy: 

Tata AIGs Senior Citizen Policy, called ‘MediSenior’ offers: 

  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Home care/hospitalization
  • Organ donor expenses
  • 140 daycare procedures
  • Ambulance charges up to Rs. 2,000 per hospitalization
  • Up to 7.5% discounts on premiums 

Care Health Insurance’s Senior Citizen Policy offers: 

  • SI amounts up to Rs. 10,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Home care/hospitalization
  • Organ donor expenses
  • Daycare procedures
  • Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatments
  • Second medical opinion
  • Ambulance charges up to Rs. 2,000 per hospitalization
  • Complete waiver of the pre-policy medical check-up required to avail of the policy
  • Add-on covers for: 
  • OPD doctor consultations and investigative tests 
  • Pharmacy expenses
  • Reduction in the waiting period for pre-existing diseases from 36 months to 24 months 

COVID-19 Policy: 

Both Tata AIG Health Insurance and Care Health Insurance offer the standard Corona Kavach Policy. The policy shares similar features and offers: 

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Home care/hospitalization
  • AYUSH treatments
  • Comorbidities 
  • Ambulance charges up to Rs. 2,000 per hospitalization
  • Daily hospital cash allowances

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