Tata AIG Health Insurance vs Niva Bupa (Max Bupa) Health Insurance

The Centre for Science and Environment’s in 2017 reported that more than 61% of Indians pass away due to lifestyle diseases. This high rate of deaths is due to the increasing stress, pollution, and unhealthy consumption. While a lot of your health is in your control, there are unforeseen times where you might suffer from an illness. At such a time, you will need to have ample finances to keep you covered. While you can rely on your life savings or investments, you can make the more cost-efficient choice and let health insurance take care of all your health needs. Let this Tata AIG Health Insurance and Niva Bupa (Max Bupa) Health Insurance comparison guide show you what health insurance has to offer. 

Tata AIG Health Insurance vs Niva Bupa (Max Bupa) Health Insurance – Overview 

Parameter  Tata AIG Health Insurance Niva Bupa (Max Bupa) Health Insurance
No. of health insurance policies 14+ 12+
E-services Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support  Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support
Branches 90+ 25+
Claim settlement ratio 96.43% 92%
Cashless claim settlement time  4 hours 30 minutes 
Hospital network 5,800+  5,000+

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 Niva Bupa (Max Bupa) Health Insurance

If you are looking to buy health insurance between Tata AIG Health Insurance and Niva Bupa (Max Bupa) Health Insurance, you can rest assured that their policies will cover your specific health needs. The two insurance providers offer a diverse range of policies, so you will not have a shortage of choices. 

Wellness Insurance Policy: 

Tata AIG offers 3 wellness policies: 

  • Wellsurance Executive 
  • Wellsurance Family Health 
  • Wellsurance Women Health

These policies provide: 

  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Post-operative physiotherapy 
  • Ambulance charges and daily hospital cash allowances 
  • Cosmetic reconstructive surgery needed due to an accident/injury 
  • Benefits such as: 
  • A critical illness benefit, given in full on the diagnosis of any of the listed 11 critical illnesses 
  • An in-patient hospitalization benefit in case of any illness/accident 
  • An education benefit for the insured’s dependent children 

Niva Bupa (Max Bupa) offers 3 wellness policies: 

  • Health Premia 
  • GoActive 
  • ReAssure 

These policies provide: 

  • Sum insured (SI) amounts up to Rs. 3,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Maternity and newborn baby needs 
  • New-age/modern treatments 
  • Alternate treatments 
  • Daycare procedures
  • Organ donor expenses
  • Domiciliary/home hospitalization
  • Health check-ups and diagnostic services
  • Ambulance charges 
  • Inbuilt travel insurance (only in Health Premia) 

Top-up Policy: 

Tata AIG offers 2 Top-up Policies: 

  • MediPlus 
  • Medicare Plus

These policies provide:  

  • SI amounts up to Rs. 1,00,00,000
  • Deductible amount options up to Rs. 20,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary/home hospitalization 
  • 540+ daycare procedures 
  • Organ donor expenses 
  • Alternate treatments  
  • Dental treatment needed due to an accident/injury 
  • Cost of consumables such as room items, documentation fees, etc. 
  • Ambulance charges up to Rs. 3,000 per hospitalization
  • 100% restoration of the SI on exhaustion of the base SI 

Niva Bupa (Max Bupa) offers 2 Top-up Policies: 

  • Health Recharge 
  • Money Saver 

These policies provide: 

  • SI amounts up to Rs. 1,00,00,000
  • Deductible amount options up to Rs. 10,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary/home treatment 
  • Daycare procedures 
  • Alternate treatments 
  • Organ donor expenses 
  • New-age/modern treatments 
  • Artificial life maintenance equipment 
  • Emergency ambulance charges up to Rs. 1,500 per hospitalization 
  • Pharmacy and diagnostic services 
  • 100% restoration of the SI on exhaustion of the base SI 

Critical Illness Policy: 

Tata AIG’s Critical Illness Policy gives: 

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

Niva Bupa (Max Bupa) Critical Illness Policy, called Criticare gives: 

  • SI amounts up to Rs. 2,00,00,000
  • Lump-sum and staggered payout options of the full SI on the diagnosis of a listed critical illness 
  • Coverage for 20 life-threatening illnesses such as: 
  • Cancer 
  • Stroke 
  • Deafness
  • Major burns 
  • Kidney failure
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