Tata AIG Health Insurance vs Bharti AXA Health Insurance

Health insurance is like a security blanket. It covers the financial aspect of various health issues and takes the complete onus on itself. All it requires from you is the payment of small sums over a fixed period. These sums are minuscule when compared to the scope of coverage you get under a health insurance policy. In fact, even top insurance providers such as Tata AIG Health Insurance vs Bharti AXA Health Insurance provide extensive protection at affordable rates. Take a look at the benefits of their health insurance policies in this comparison guide. 

Tata AIG Health Insurance vs Bharti AXA Health Insurance – Overview 

Parameter Tata AIG Health InsuranceBharti AXA Health Insurance
Number of health insurance plans117
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches90+160+
Claim settlement ratio96.43%98.27%
Cashless claim settlement time 4 hours5 days 
Hospital network5,800+ 4,500+

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 Bharti AXA Health Insurance

Tata AIG Health Insurance and Bharti AXA Health Insurance are two of those rare insurance providers whose quality of services lives up to their brand name. Chances are, if you buy health insurance from either of them, you will have a high probability of getting your claim settled. 

Family Floater Policy: 

Tata AIG offers Medicare – a family floater policy that comes in three variants: 

  • Medicare 
  • Medicare Protect 
  • Medicare Premier 

The benefits include: 

  • Sum insured (SI) amount options up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary/home hospitalization 
  • Organ donor transplant expenses 
  • 540+ daycare procedures 
  • Maternity and newborn baby needs 
  • Bariatric surgery for obesity and weight-loss 
  • AYUSH treatments 
  • OPD dental treatment needed due to an accident/injury 
  • First-year vaccinations for a child up to 1 year of age 
  • Vaccination expenses for Human Papillomavirus, hepatitis B, typhoid, and rabies
  • Costs of consumables, diagnostic tests, health check-up and second medical opinion  
  • Provision of 100% of the SI on the death of the insured due to an accident 

Bharti AXA offers 3 family floaters policies: 

  • Smart Super Health 
  • Smart Health Assure
  • Health Advantage 

The benefits include: 

  • SI amount options up to Rs. 1,00,00,000
  • Coverage for
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • Domiciliary/home hospitalization expenses 
  • Daycare procedures
  • AYUSH treatments 
  • Organ donor transplant expenses
  • Maternity and newborn baby needs 
  • OPD treatment expenses 
  • Vaccination expenses needed due to an animal bite
  • Dental treatment needed due to an accident/injury  
  • Bariatric surgery for obesity and weight-loss 
  • Pharmacy and diagnostic services
  • Congenital diseases, genetic disorders, and pre-existing diseases after 48 months 
  • Road and air ambulance costs 
  • Provision of 100% of the SI on the death of the insured due to an accident

Top-up Policy: 

Tata AIG offers the Medicare Plus Policy. It provides: 

  • SI amount options up to Rs. 1,00,00,000
  • Deductible amount options up to Rs. 20,00,000
  • Global insurance protection 
  • Coverage for: 
  • Pre and post-hospitalization expenses 
  • In-patient hospitalization expenses 
  • In-patient dental treatment 
  • Domiciliary hospitalization
  • Organ donor transplant expenses 
  • 540+ daycare procedures 
  • AYUSH treatments  
  • Consumables, health check-up and second opinion
  • Ambulance charges 

Bharti AXA offers the Smart Super Top-up Insurance Policy. It provides: 

  • SI amounts up to Rs. 60,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Daycare procedures
  • AYUSH treatments 
  • Organ donor expenses
  • Pre-existing diseases
  • Dental treatment needed due to an accident/injury 
  • Ambulance charges 
  • Daily hospital cash allowances 

Critical Illness Policy: 

Tata AIG’s Critical Illness Policy offers: 

  • SI amounts up to Rs. 15,00,000
  • 100% of the SI on the diagnosis of a listed critical illness 
  • Coverage for 12 life-threatening diseases including: 
  • Cancer
  • Stroke
  • Kidney failure
  • Permanent paralysis

Bharti AXA covers critical illnesses in its Health Advantage Plan. It provides:

  • SI amounts up to Rs. 50,00,000
  • 100% of the SI on the diagnosis of a listed critical illness 
  • Coverage for 20 life-threatening diseases including:
  • Cancer
  • Kidney failure 
  • Third-degree burns
  • Bacterial meningitis