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Star Health Assure vs Tata AIG MediCare
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Star Health Assure with similar Health Insurances
Tata AIG MediCare with similar Health Insurances
Compare Star Health Assure and Tata AIG MediCare
Claims Track Record:
Star Health Assure
Star Health and Allied Insurance Company Limited has a claim settlement ratio of 61.98% and claims incurred ratio of 65.41%. It has settled 95.22% of claims in less than 30 days. The company has received higher complaints related to claims as 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:
Star Health Assure
Star Health and Allied Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is average, making it the better choice.
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:
Star Health Assure
As part of the Star Health Assure Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments (except for 14 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to the sum insured as well. The Star Health Assure Plan comes with a room rent limit; you can choose any room except suites and above. But the good news is that it doesn’t levy any ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc. don’t come with any sub-limits and are covered up to the sum insured. The Star Health Assure Plan also imposes a copay of 10% if your age at the time of entry is 61 years or above and comes with optional deductibles of Rs 50,000/Rs 1,00,000. The plan has a waiting period of 36 months 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.