Tata AIG Health Insurance vs Universal Sompo Health Insurance

To lead a stress-free and relaxed life in the future, one does so much preparation in the present – whether that is work, a side-hustle, house duties, or self-care in the form of diet and exercise. Why not include health insurance in the list? It helps you and your loved ones lead a comfortable life in the present and future by taking care of all your health-related expenses. Want to know how? Check out this comparative guide of Tata AIG Health Insurance and Universal Sompo Health Insurance

Tata AIG Health Insurance vs Universal Sompo Health Insurance – Overview 

Parameter Tata AIG Health InsuranceUniversal Sompo Health Insurance
No. of health insurance policies14+20+
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support
Branches90+86
Claim settlement ratio96.43%90%
Cashless claim settlement time 4 hours72 hours
Hospital network5,800+ 4000+

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 Universal Sompo Health Insurance

Tata AIG Health Insurance and Universal Sompo Health Insurance offer a vast range of health insurance policies. They both have high credentials – claim settlement ratios above 90%, quick turnaround times and several network hospitals – so you cannot go wrong with either of them. 

Family Floater Policy: 

All of Tata AIG Health Insurance and Universal Sompo Health Insurance’s health insurance policies are available for small and large families. However, they also offer separate family-centric policies. 

For Tata AIG, these include 6 family floater policies: 

  • Medicare 
  • MediPlus  
  • Medicare Plus 
  • MediRaksha
  • Wellsurance Family Health 
  • Wellsurance Executive 

These policies provide: 

  • Sum insured (SI) amount options up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization including: 
  1. Doctors and nursing fees
  2. Room rent expenses 
  3. Costs for medicines and consumables 
  4. Operation theatre charges 
  • Domiciliary hospitalization
  • 540+ daycare procedures 
  • Organ donor expenses 
  • Accidental death benefit 
  • Bariatric surgery 
  • Maternity and newborn baby needs 
  • AYUSH treatments 
  • High-end diagnostic tests on an OPD basis 
  • Convalescence benefits 
  • Daily hospital cash 
  • Vaccination expenses 
  • Road ambulance charges 

For Universal Sompo, these include: 

  • Complete Healthcare 
  • Super Healthcare 

These policies provide: 

  • SI amounts up to Rs. 1,00,00,000
  • Coverage for:
  • Pre and post-hospitalization 
  • In-patient hospitalization including: 
  1. Doctors and nursing fees
  2. Room rent expenses 
  3. Costs for medicines and consumables 
  4. Operation theatre charges 
  5. Costs for prosthetics/other support equipment
  • Domiciliary hospitalization
  • Daycare procedures 
  • Organ donor expenses 
  • AYUSH treatments 
  • Organ donor expenses 
  • Bariatric surgery
  • Maternity and newborn baby needs 
  • Pre and post-natal care
  • OPD consultations 
  • Diagnostic services
  • Pharmacy access 
  • Personal health coach
  • Road ambulance charges 
  • 100% restoration of the SI 

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 and surgical procedures such as: 
  • Coma
  • Cancer
  • Stroke
  • Blindness 
  • Third-degree burns
  • Major organ transplant 
  • Bone marrow transplant 
  • Costs towards a second medical opinion 

Universal Sompo’s Critical Illness Insurance Policy offers:

  • SI amounts up to Rs. 20,00,000
  • 100% of the SI on the diagnosis of a listed critical illness 
  • Coverage for 11 life-threatening diseases and surgical procedures such as: 
  • Cancer
  • Coma
  • Multiple sclerosis 
  • Permanent paralysis 
  • Open-chest CABG
  • Open-heart replacement 

Janata Personal Accident Policy: 

The Janata Personal Accident Policy is a standard and affordable personal accident insurance policy specially designed to cater to the needs of employees and lower-income earners of India. All insurance providers, including Tata AIG Health Insurance and Universal Sompo Health Insurance, offer this policy. 

Its features include: 

  • SI amounts up to Rs. 1,00,000
  • 100% payout of the SI for accidental death 
  • 100% payout of the SI for permanent total disability
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