Tata AIG Health Insurance vs Kotak General Health Insurance

According to NDTV reports, around 1,214 road accidents take place daily in India. While there are some things you can control while driving on the roads such as your driving style and having the necessary safety equipment in place, there are factors such as the quality of roads and your fellow drivers’ skills you cannot control. Moreover, what if the inevitable were to happen, like an accident per se? At such times, only two things can come to your rescue – motor insurance and personal accident health insurance. 

Read this comparison guide of Tata AIG Health Insurance and Kotak General Health Insurance to see how health insurance can help you in times of accidents, illnesses, and more. 

Tata AIG Health Insurance vs Kotak General Health Insurance – Overview 

Parameter Tata AIG Health InsuranceKotak General Health Insurance
No. of health insurance policies14+9
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support 
Branches90+1600
Claim settlement ratio96.43%97.40%
Cashless claim settlement time 4 hoursUnspecified
Hospital network5,800+ 4000+ 

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 Kotak General Health Insurance

If you are looking to buy your health insurance policy from a reliable insurance provider, you can trust any of the two between Tata AIG Health Insurance and Kotak General Health Insurance. Tata AIG and Kotak come from prestigious parent corporate groups – Tata Group and the Kotak Group. They offer various health insurance policies that suit diverse needs. 

Top-up Insurance Policy: 

Tata AIG offers two top-up policies:

  • MediPlus
  • Medicare Plus 

These policies provide: 

  • Sum insured (SI) amounts up to Rs. 1,00,00,000
  • Deductible amount options up to Rs. 20,00,000
  • Insurance coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary/home hospitalization
  • 540+ daycare procedures 
  • Non-allopathic/AYUSH treatments  
  • Dental treatment needed due to an accident/ injury 
  • Medical second opinion for 9 critical illnesses including: 
  • Ambulance charges up to Rs. 3,000 per hospitalization

Kotak General Health’s Super Top-up Policy offers: 

  • SI amounts up to Rs. 20,00,000
  • Multiple deductible amount options 
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • 405 daycare procedures
  • Organ donor expenses 
  • AYUSH treatments 
  • Twice the amount of SI for hospitalization due to an accident
  • Up to Rs. 2,000 per hospitalization for ambulance expenses 
  • 100% restoration of the SI upon exhaustion of the base SI 

Group Personal Accident Policy: 

Tata AIG’s Group Personal Accident Policy provides: 

  • 100% of the SI for accidental death and permanent total disability 
  • Up to 50% of the SI for permanent partial disability 
  • Up to 100% of the SI for burns and broken bones 
  • Weekly cash benefits for temporary total disability 
  • Coverage for in-patient hospitalization expenses 
  • 100% of the SI for miscarriage of the insured 
  • Education expenses of the insured’s dependent children 
  • Coverage for accident/permanent total disability and a permanent partial disability due to: 
  • Engaging in adventure sports 
  • The result of an assault 
  • Falling into a coma 
  • Fractures, dislocations and burns

Kotak General Health’s Group Accident Policy provides: 

  • 100% of the SI for accidental death and permanent total disability 
  • Up to 100% of the SI for burns and broken bones 
  • Up to 50% of the SI for permanent partial disability 
  • Weekly cash benefits for temporary total disability 
  • Weekly cash benefits if the insured falls under a coma 
  • Coverage for: 
  • Education of the insured’s child 
  • Accidental hospitalization 
  • Modification/reparation of home/vehicle 
  • Accident/permanent injury due to engaging in an adventure sports activity 
  • Loss of employment 

Corona Kavach Policy: 

As per the IRDAIs mandate to provide COVID-19 coverage, insurers, including Tata AIG Health Insurance and Kotak General Health Insurance now offer the standard Corona Kavach Policy. 

The policy shares standard features and offers: 

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Comorbidity treatment 
  • AYUSH treatments
  • Road ambulance costs up to Rs. 2,000
  • Daily hospital cash allowances 

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