Tata AIG Health Insurance vs Raheja QBE Health Insurance

Once the COVID-19 vaccine is out in India on a full scale, things will be back to the old normal. Until then, the government has announced re-lockdown protocols in several states. This means that the battle against the virus is not yet over and the risk of infection is still at large. Right now, to protect yourself and your loved ones, your best bet would be health insurance. Almost all insurance companies, including Tata AIG Health Insurance and Raheja QBE Health Insurance, offer comprehensive and affordable COVID-19 insurance, among other types of health insurance, which you can find in the comparison guide below. 

Tata AIG Health Insurance vs Raheja QBE Health Insurance – Overview 

Parameter Tata AIG Health InsuranceRaheja QBE Health Insurance
No. of health insurance policies14+14+
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer service
Branches90+12+
Claim settlement ratio96.43%83%
Cashless claim settlement time 4 hoursUnspecified
Hospital network5,800+ 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 Raheja QBE Health Insurance

Both Tata AIG Health Insurance and Raheja QBE Health Insurance offer over 14 health insurance policies. Their policies cater to the needs of individuals, families, senior citizens, and corporate groups. 

Group Health Insurance Policy: 

Tata AIG offers 4 Group Health Insurance Policies: 

  • Group MediPrime 
  • Group Personal Accident 
  • Group MultiGaurd Personal Accident 
  • Group Hospital Cash

These policies provide: 

  • Customizable sum insured (SI) amounts based on the salary/income/category of the employees
  • The freedom to make amendments/enhancements to an employee’s policy
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • 140 daycare procedures
  • Domiciliary hospitalization/home treatment
  • Organ donor expenses 
  • Nursing allowance
  • Emergency ambulance services 
  • Accidental death and dismemberment 
  • Permanent total disablement due to an accident
  • Permanent partial disablement due to an accident 
  • Benefits such as: 
  • A family transportation benefit up to Rs. 25,000
  • Modification benefits up to Rs. 25,000
  • An education allowance up to Rs. 1,00,000
  • Repatriation of remains allowances up to Rs. 5,000
  • Weekly cash benefits for temporary total disablement 
  • Daily hospital cash benefits 

Raheja QBE offers 3 Group Health Insurance Policies: 

  • Group Health Insurance 
  • Group Personal Accident Insurance 
  • Group Corona Kavach Policy

These policies provide: 

  • SI amounts up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Up to 140 daycare procedures
  • Domiciliary hospitalization/home treatment
  • Organ donor expenses 
  • Non-allopathic treatments 
  • Advanced treatments 
  • Critical illnesses 
  • Vaccination expenses 
  • COVID-19 treatment 
  • Maternity and newborn baby needs 
  • Ambulance service charges 
  • Loss of employment due to an accident 
  • 100% of the SI on accidental death and dismemberment 
  • 100% of the SI for permanent total disablement 
  • Up to 100% of the SI for permanent partial disablement  
  • Weekly cash benefits for temporary total disablement 

Daily Hospital Cash Policy: 

Tata AIG’s Daily Hospital Cash Policy gives: 

  • Daily cash benefits between Rs. 500 and Rs. 5000
  • Twice the benefit amount for hospitalization of the insured due to an accident (up to Rs. 10,000) 
  • Reimbursement of in-patient hospitalization expenses due to any sickness/accident (up to Rs. 25,000) 

Raheja QBE’s Daily Hospital Cash Policy gives: 

  • Daily cash benefits between Rs. 500 and Rs. 5,000 
  • Twice the benefit amount for intensive care unit hospitalization 
  • Twice the benefit amount on hospitalization due to an accident 
  • Up to Rs. 5,000 for daycare procedures 
  • Convalescence benefits up to Rs. 10,000 
  • A loss of income benefit up to Rs. 1,000
  • An international emergency benefit up to Rs. 25,000 

Arogya Sanjeevani Policy: 

The Arogya Sanjeevani Policy is a standard health insurance policy offered by all insurance providers, including Tata AIG Health Insurance and Raheja QBE Health Insurance at affordable premium prices. 

The policy offers similar benefits such as: 

  • SI amounts up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Daycare procedures
  • Domiciliary hospitalization/home treatment
  • Organ donor expenses 
  • Non-allopathic treatments 
  • Advanced treatments 
  • Ambulance charges up to Rs. 2,000 per hospitalization 
  • Daily hospital cash benefits
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