Tata AIG Health Insurance vs Star Health Insurance

Take a minute from your busy day and breathe. If you are in the pink of health, take a moment to be grateful for it. But think about it 10 or 20 years down the line. Would things be the same? Inevitably, at some point in life, the need for medical healthcare becomes essential. Instead of spending for the same from your pocket, why not get health insurance to take care of it? But how does health insurance help you ask? Find out with this Tata AIG Health Insurance and Star Health Health Insurance comparison guide. 

Tata AIG Health Insurance vs Star Health Health Insurance – Overview 

Parameter  Tata AIG Health Insurance Star Health Insurance
No. of health insurance policies 14+ 14+
E-services Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support  Policy salePolicy renewalClaim settlementBranch locator Online consultation24x7 customer help
Branches 90+ 600+
Claim settlement ratio 96.43% 90%
Cashless claim settlement time  4 hours 2 hours
Hospital network 5,800+  9,000+

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 Star Health Insurance

Tata AIG Health Insurance and Star Health Insurance both offer over 14 diverse health insurance policies. Their policies provide coverage against a vast range of eventualities such as accidents, life-threatening diseases, COVID-19, lifestyle diseases, and more.  

Senior Citizen Policy: 

Tata AIG’s Senior Citizen Policy – MediSenior, provides: 

  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses including costs for: 
  1. Room rent 
  2. Intensive care unit hospitalization
  3. Nursing care 
  4. Medicines, drugs
  5. Consumables 
  • Domiciliary hospitalization
  • Organ donor expenses
  • 140 daycare procedures
  • Ambulance charges up to Rs. 2,000 per hospitalization

Star Health Insurance’s Senior Citizen Policy provides:

  • Sum insured (SI) amounts up to Rs. 25,00,000
  • Coverage for: 
  • Pre and post-hospitalization expenses
  • In-patient hospitalization expenses including costs for:
  1. Hospital room rent 
  2. Doctors and nursing  fees
  3. Intensive care unit hospitalization
  4. Nursing care 
  5. Medicines, drugs
  • Daycare procedures 
  • Advanced treatments 
  • Pre-existing diseases 
  • OPD consultations 
  • Ambulance charges  

Group Personal Accident Policy: 

Tata AIG offers 3 Group Personal Accident Policies: 

  • Group Accident Guard 
  • Group Personal Accident and Business Travel Accident 
  • Group MediPrime

These policies provide: 

  • 100% of the SI for accidental death
  • 100% of the SI for permanent total disablement
  • Up to 50% of the SI for permanent partial disablement 
  • Up to 100% of the SI for burns, fractures, and broken bones 
  • Weekly cash benefits for temporary total disability 
  • 100% of the SI for miscarriage of a female insured 
  • Expenses for: 
  • In-patient hospitalization
  • Education expenses for dependent children 
  • Dental reconstruction 
  • Road and air ambulance services
  • Coverage for accident/permanent total disability and a permanent partial disability due to: 
  • Adventure sports 
  • Assault 
  • Coma 

Star Health Insurance’s Group Personal Accident Policy provides: 

  • 100% of the SI for accidental death 
  • Up to 100% of the SI for permanent total disablement
  • Up to 75% of the SI for permanent partial disablement 
  • Rs. 15,000 per week for temporary total disability 
  • Up to Rs. 50,000 towards the modification/reparation of the insured’s home/vehicle
  • Up to Rs. 50,000 towards the transportation of one relative of the insured 
  • Up to Rs. 20,000 towards the transportation of imported medicines 
  • Ambulance charges up to Rs. 5,000 

Top-up Policy: 

Tata AIG offers two top-up policies:

  • MediPlus 
  • Medicare Plus 

These policies provide: 

  • SI amounts up to Rs. 1,00,00,000
  • Deductible amounts up to Rs. 20,00,000
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary hospitalization
  • Organ donor transplant expenses 
  • 540+ daycare procedures 
  • AYUSH treatments  
  • In-patient dental treatment 
  • Consumables used during hospitalization 
  • Ambulance charges up to Rs. 3,000 per hospitalization 

Star Health Insurance’s Top-up Policy provides: 

  • SI amounts up to Rs. 25,00,000
  • Deductible amounts up to Rs. 10,00,00
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Daycare procedures and advanced treatments 
  • Organ donor transplant expenses  
  • Maternity and newborn baby needs 
  • Pre-existing diseases after 12-36 months 
  • Road ambulance charges up to Rs. 3,000 per hospitalization
  • Restoration of the SI on exhaustion

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