Lifestyle

Which one is better Tata AIG vs Bajaj Allianz Health Insurance?

Do you have a health insurance policy? If yes, great. If not, you should get it as soon as possible. Health conditions come unannounced. As soon as we are diagnosed with some kind of ailment, we start visiting the doctors and taking medicines, mostly regularly. And after some months you will realize that you are spending a lot of money on these, while these are unavoidable expenses. Well, do not be disappointed at all as a health insurance plan can be a great help to you. From providing coverage for medicines to treatment, a health insurance policy will take care of all the medical treatment expenses.

The real challenge is faced by people when it is about choosing a health insurance policy. There are several options in the market and anyone can get confused with them. Well, let us take two top health insurance companies and check out them to find the most suitable one. Here we discuss Tata AIG vs Bajaj Allianz car insurance.

Number of health insurance plans

Tata AIG Health Insurance offers 11 plans, while Bajaj Allianz Health Insurance offers more than 15 plans.

E-services

The e-services provided by Tata AIG are Claim settlement, Policy sale, Policy renewal, Online consultation, Branch locator, and 24×7 customer support. The e-services provided by Bajaj Allianz Health Insurance are Claim settlement, Branch locator, Policy renewal, Online consultation, Policy sale, and 24×7 customer support.

Branches

There are more than 90 branches of Tata AIG, while Bajaj Allianz Health Insurance has more than 200 branches.

Claim settlement ratio

The claim settlement ratio if Tata AIG is 96.43%, and the claim settlement ratio if Bajaj Allianz Health Insurance is 95.01.%.

Cashless claim settlement time

Tata AIG General Insurance takes 4 hours for a cashless claim settlement. Bajaj Allianz Health Insurance does it within 1 hour.

Hospital network

Tata AIG has more than 5800 network hospitals, while Bajaj Allianz has over 6500 network hospitals.

Now that we know a few things about these two companies, let us discuss some health insurance policies offered by them.

Tata AIG Critical Illness Policy

This is one of the most sought-after health insurance policies offered by Tata AIG. The policy offers

  • Sum insured up to INR 15,00,000
  • Upon diagnosis of any of the listed critical ailments, full payout of the sum insured
  • Coverage for 12 critical illnesses as well as surgical procedures. The life-threatening diseases and conditions include Kidney failure, Cancer, Paralysis, Major organ transplant, First heart attack, Bone marrow transplant.

Bajaj Allianz Critical Illness Policy

Bajaj Allianz Health Insurance offers its critical illness policy and offers

  • Sum insured amount of up to INR 50,00,000
  • As any of the listed critical diseases is diagnosed, full payout of the sum insured
  • Coverage for ten life-threatening ailments along with surgical procedures. The ailments include Hypertension, Cancer, Stroke, Kidney failure, Coronary artery surgery, Multiple sclerosis, and Aorta surgery.

Like the critical illness policy, these two companies come up with several health insurance policies for several policy buyers to suit their needs. To know about the other types of health insurance policies offered by these two insurance companies, you can visit the website of IIFL.  While you are visiting the IIFL website, you will be able to come across several other health insurance policies as well. You can take a look at as many as possible. You can also use the health insurance premium calculator available on the website. Using the calculator will help you to understand what you are going to buy and what would be the amount that you have to consistently pay as a premium. Now take no more time and visit the website to find the right health insurance policy for you and your lovely family.

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