Tata AIG Health Insurance vs Reliance Health Insurance

How do you go about finding the right health insurance policy for you? Instead of visiting the websites of various insurance companies, why not use a one-stop portal to get all the answers you need. Even better, if you have a short yet informative guide that does the work of comparing different policies and highlights their strongest features. Start your health insurance journey with this comparison guide of Tata AIG Health Insurance vs Reliance Health Insurance. 

Tata AIG Health Insurance vs Reliance Health Insurance – Overview 

Parameter  Tata AIG Health Insurance Reliance Health Insurance
No. of health insurance policies 14+ 10+
E-services Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support  Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer service
Branches 90+ 130+
Claim settlement ratio 96.43% 94%
Cashless claim settlement time  4 hours Unspecified
Hospital network 5,800+  7,000+

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 Reliance Health Insurance

When you hear the name Tata or Reliance, the first thing that might come to your mind is the widespread presence of the two conglomerates across the country. Anything offered by Tata and Reliance automatically passes the reliability check. It won’t be any different for health insurance. In fact, there is a health insurance policy for everyone at Tata AIG Health Insurance and Reliance Health Insurance. 

Family Floater Policy: 

Tata AIG Health Insurance and Reliance Health Insurance offer all their health insurance policies on a family floater basis. However, the two insurance providers also offer separate family-specific insurance policies. 

For Tata AIG, these include 6 family floater policies: 

  • MediRaksha
  • Medicare 
  • MediPlus 
  • Medicare Plus 
  • Wellsurance Family Health 
  • Wellsurance Executive 

These policies provide: 

  • Sum insured (SI) amounts up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary (at home) hospitalization
  • Over  540 daycare procedures 
  • Organ donor transplant expenses 
  • Critical illnesses and surgical procedures  
  • Maternity and newborn baby needs 
  • Non-allopathic treatments
  • Consumables used during hospitalization 
  • High-end diagnostic tests and consultations 
  • Vaccination expenses for rabies, typhoid, HPV, hepatitis B 
  • Road ambulance charges and daily hospital cash allowances 
  • 100% restoration of the exhausted SI 

For Reliance Health Insurance, these entail 3 family floater policies: 

  • Health Gain 
  • Health Wise 
  • Health Infinity 

These policies provide: 

  • SI amounts up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Nursing allowance 
  • Non-allopathic treatments 
  • Organ donor transplant expenses 
  • Daycare procedures
  • Critical illnesses and surgical procedures 
  • Advanced technology treatments 
  • Plastic/reconstructive surgery needed due to an accident/ burns/ cancer 
  • Pre-existing diseases after the waiting period
  • Ambulance charges up to Rs. 1,500 per hospitalization 
  • Daily hospital cash benefits and wellness benefits 
  • 100% auto-restoration of the exhausted SI 

Critical Illness Policy: 

Tata AIG’s Critical Illness Policy offers: 

  • SI amounts up to Rs. 15,00,000
  • 100% payment of the SI on the diagnosis of a listed critical illness 
  • Coverage for 12 life-threatening diseases and surgical procedures including: 
  • Cancer
  • Stroke
  • Blindness 
  • Permanent paralysis
  • Major organ transplant 
  • Bone marrow transplant 

Reliance Health Insurance’s Critical Illness Policy offers:

  • SI amounts up to Rs. 10,00,000
  • 100% payment of the SI on the diagnosis of a listed critical illness 
  • Coverage for 10 life-threatening diseases and surgical procedures such as: 
  • Cancer
  • Kidney failure
  • Third-degree burns 
  • Major organ transplant 
  • Aorta graft surgery
  • Heart valve replacement 

Corona Kavach Policy: 

Tata AIG’s Corona Kavach Policy offers: 

  • SI amounts up to Rs. 5,00,000
  • Discounts up to 25% on premiums
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Daily doctor monitoring 
  • Non-allopathic treatments 
  • Ambulance charges up to Rs. 2,000 per hospitalization 
  • Daily hospital cash allowances 

Reliance Health Insurance’s Corona Kavach Policy offers: 

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Non-allopathic treatments 
  • Ambulance charges up to Rs. 2,000 per hospitalization 
  • Daily hospital cash allowances

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