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Aditya Birla Activ One (NXT) vs Tata AIG MediCare
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Aditya Birla Activ One (NXT) with similar Health Insurances
Tata AIG MediCare with similar Health Insurances
Compare Aditya Birla Activ One (NXT) and Tata AIG MediCare
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
Tata AIG General Insurance Company Limited has settled 84.95% of claims in less than 30 days. It has a claim settlement ratio of 63.38% and a claims incurred ratio of 76.13%. Moreover, it has received fewer complaints related to claims as 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
Tata AIG General Insurance Company Limited offers customer service via a toll-free number and Twitter. As per our research, their Twitter response is average, and their toll-free response is quick. So, we recommend contacting them via their toll-free number if you have any questions or concerns.
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
The TATA AIG MediCare Plan covers hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation, and post-hospitalisation expenses are covered for 90 days after discharge, up to the sum insured. The plan covers 541 daycare treatments, all domiciliary treatments, organ donor harvesting expenses, all modern treatments, and consumables up to the sum insured. In the TATA AIG MediCare Plan, you can choose any room type since there's no restriction on room rent. Furthermore, there's no limit on ICU rent, copay, and deductible. Common surgeries/treatments like cataract surgery, joint replacement, etc. don’t come with any financial sub-limits and are covered up to the sum insured. There's a 36-month waiting period for pre-existing conditions and a 24-month waiting period for specific diseases.