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Aditya Birla Activ One (NXT) vs Tata AIG MediCare Premier
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Aditya Birla Activ One (NXT) with similar Health Insurances
Tata AIG MediCare Premier with similar Health Insurances
Compare Aditya Birla Activ One (NXT) and Tata AIG MediCare Premier
Claims Track Record:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. They have settled 98.61% of claims in less than 30 days. Further, they have received a higher number of claim complaints compared to other insurers.
Tata AIG MediCare Premier
TATA AIG General Insurance Company has a claim settlement ratio of 81.95% and claims incurred ratio of 78.33%. They have settled 69.59% of claims in less than 30 days. Further, they have also received a lower number of claim complaints compared to other insurers.
Service Experience:
Aditya Birla Activ One (NXT)
Aditya Birla Health Insurance Company Limited offers customer service through their toll-free number and via Twitter. However, their Twitter response rate is quicker than their response rate over a toll-free number. So, if you have any questions or concerns, or require assistance, you might receive prompt assistance through Twitter.
Tata AIG MediCare Premier
TATA AIG General Insurance Company offers customer service through their toll-free number and via Twitter. However, their Twitter response rate is average, while their response rate over toll-free is quick. So, if you have any questions or concerns, or require assistance, you might receive prompt assistance through toll free than Twitter.
Product Benefits:
Aditya Birla Activ One (NXT)
The Aditya Birla Activ One (NXT) covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 90 days before hospitalisation and post-hospitalisation expenses incurred for 180 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Inpatient costs of the organ donor in case of organ transplantation are covered up to the sum insured as well. Do note that the donor’s pre and post-hospitalisation expenses will not be covered. The plan also covers non-medical expenses with no cap or limit when you opt for it as an add on.
Under Aditya Birla Activ One (NXT), there is no room rent limit or ICU rent limit. It also does not have any copayment or deductible limit. Further, there is no limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. These are covered up to the sum insured. There is a waiting period of 48 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.
Tata AIG MediCare Premier
The TATA AIG Medicare Premier Plan covers hospitalisation expenses as well as pre and post hospitalisation expenses. Pre-hospitalisation expenses incurred for 60 days before hospitalisation and post-hospitalisation expenses incurred for 90 days after discharge are covered up to the sum insured. It also covers all day care treatments, domiciliary treatments and modern treatments up to the sum insured. Costs associated with harvesting the organ from the donor are covered up to the sum insured as well. The plan also covers the cost of consumables up to the sum insured. Under TATA AIG Medicare Premier Plan, you can choose any room type - there is no restriction or room rent as well as ICU rent. It also does not have any copayment or deductible limit. Further, there is no limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. There is a waiting period of 24 months applicable for pre-existing diseases and a waiting period of 24 months for specific diseases.