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Tata AIG MediCare Premier vs Aditya Birla Activ Assure Diamond
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Tata AIG MediCare Premier with similar Health Insurances
Aditya Birla Activ Assure Diamond with similar Health Insurances
Compare Tata AIG MediCare Premier and Aditya Birla Activ Assure Diamond
Claims Track Record:
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.
Aditya Birla Activ Assure Diamond
Aditya Birla Health Insurance Company Limited has a claim settlement ratio of 90.24% and claims incurred ratio of 72.71%. It has also settled 98.61% of claims in less than 30 days. They've received higher complaints related to claims, as compared to other insurers.
Service Experience:
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.
Aditya Birla Activ Assure Diamond
Aditya Birla Health Insurance Company Limited offers customer service via Twitter and their toll-free number. According to our research, their Twitter response rate is quick and their toll-free response rate is average. So, their Twitter handle can be the ideal choice for customers looking for prompt assistance.
Product Benefits:
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.
Aditya Birla Activ Assure Diamond
With the Aditya Birla Activ Assure Diamond Plan, hospitalisation expenses and pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 30 days before hospitalisation and post-hospitalisation expenses are covered for 60 days after discharge - up to the sum insured. Additionally, the insurer covers 586 daycare treatments, organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Domiciliary treatments (except 9 illnesses) are covered up to 10% of the sum insured. Expenses related to consumables are covered up to the sum insured - if you opt for an add-on. With the Aditya Birla Activ Assure Diamond Plan, you can choose any room you want without placing any cap. Moreover, it has no ICU rent limit, deductible limit, or sub-limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, there is a copay of 20% for the entry age of 61 years and above. The Aditya Birla Activ Assure Diamond Plan has a 48-month waiting period for pre-existing diseases, 24 months for specific diseases, and 48 months for genetic disorders.