Tata AIG Health Insurance vs HDFC ERGO General Health Insurance

Gone are the days when buying a health insurance plan took a long time and effort. Now, getting a health insurance policy can be done in a matter of a few minutes. With many health insurance providers online and offline, it becomes crucial to compare plans for zeroing in on the one you need at the price you want. This Tata AIG Health Insurance versus HDFC Ergo General Health Insurance will help you get started.

Tata AIG Health Insurance and HDFC Ergo General Health Insurance – Overview 

ParameterTata AIG Health InsuranceHDFC Ergo General Health Insurance
Number of health insurance plans1110+
E-servicesPolicy sale
Policy renewal
Claim settlement
Online consultation
24×7 customer support 
Policy sale
Policy renewal
Claim settlement
Online consultation
24×7 customer service
Branches90+100+
Claim settlement ratio96%92%
Cashless claim settlement timeWithin 4 hoursWithin 20 minutes
Network Hospitals 5,200+10,000+

*Source: IRDAI Annual Report, 2018-19 

Health Insurance Plans: Tata AIG Health Insurance versus HDFC Ergo General Health Insurance

Tata AIG Health Insurance offers current and prospective policyholders 11 health insurance plans. Their health plans cater to individual, family, senior-citizen and corporate group needs. They also have women-centric plans, critical illness health plans, and plans that provide COVID-19 coverage. 

HDFC Ergo General Health Insurance has 10+ plans that current and prospective policyholders can choose from. Their health plans cover individual, family, parental, and senior-citizen needs. They also have separate health plans to provide coverage to women, as well as coverage against critical illnesses and COVID-19. 

Here’s a 3-plan comparison of Tata AIG Health Insurance and HDFC Ergo General Health Insurance. Pick the one that offers you the best terms as per your needs. 

Family Health Insurance: 

Tata AIG’s two family health plans, MediPlus and WellInsurance Family Policy, provide all-round coverage. 

MediPlus/Top-up Policy offers:

  • Coverage for pre, post and in-hospitalization charges
  • Coverage for domiciliary treatment 
  • Coverage for 140 day-care procedures
  • Coverage for dental treatment owing to an accident/illness

WellInsurance Family Policy offers: 

  • Daily cash benefit for up to 90 days of hospitalization
  • Daily cash benefit for ICU care 
  • Lump-sum payout upon the diagnosis of any critical illness
  • An in-hospital cash benefit for accidents and sickness
  • Lump-sum payout of SI for a child’s education 

HDFC Ergo Family Health Insurance Plan provides comprehensive coverage and can be customized to suit different families. It offers:

  • 4 sub-plans with varying sum insured (SI) amounts and features
  • Coverage for pre, post and in-hospitalization expenses 
  • Coverage for home treatment and alternative (AYUSH) treatment 
  • Coverage for 500+ daycare procedures, organ donor transplant and mental healthcare 
  • A road ambulance cover and an emergency air ambulance cover
  • A recovery benefit in the form of lump-sum payout of Rs.15 thousand

Woman-Centric Health Insurance: 

Both Tata AIG Health Insurance and HDFC Ergo General Health Insurance have health plans that provide special coverage for women’s health. 

Tata AIG’s WellInsurance Woman Policy offers:

  • Lump-sum payout upon the diagnosis of a critical illness 
  • A daily cash benefit for in-hospitalization expenses (including coverage for ICU charges)
  • A daily benefit for hospitalization expenses owing to accident/sickness
  • Lump-sum convalescence benefit for recovery at home
  • Coverage for cosmetic reconstructive surgery owing to an accidental injury

HDFC Ergo Women Suraksha Policy has 3 sub-plans with different SI options. They offer:

  • Coverage against cancer, critical illnesses and cardiac ailments
  • Coverage for surgical procedures and preventive health check-ups 
  • Payout of 25% of SI for pregnancy and newborn complications
  • Outpatient counseling (Rs.3 thousand per session)
  • 50% of monthly salary in case of a job loss

Senior-Citizen Health Insurance:

Tata AIG has a MediSenior Health Insurance Plan that provides coverage for senior citizens. It provides: 

  • Coverage for pre, post and in-patient hospitalization expenses 
  • Coverage for home treatment and up to 140 daycare procedures
  • Coverage for organ donor transplantation

HDFC Ergo offers 3 plans for senior citizens that provide:

  • Varying SI options and features
  • Coverage for pre, post and in-hospitalization expenses
  • Cashless home healthcare and coverage for AYUSH treatment
  • Free health check-up every year

With access to comparative features of two well-trusted providers, it becomes easier to choose a health plan. You can always reach out to professional insurance experts for further guidance before buying health insurance