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Tata AIG MediCare Premier vs ManipalCigna ProHealth (Accumulate)
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Tata AIG MediCare Premier vs ManipalCigna ProHealth (Accumulate)
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Tata AIG MediCare Premier with similar Health Insurances
ManipalCigna ProHealth (Accumulate) with similar Health Insurances
Compare Tata AIG MediCare Premier and ManipalCigna ProHealth (Accumulate)
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.
ManipalCigna ProHealth (Accumulate)
Manipal Cigna Health Insurance Company Limited has a claim settlement ratio of 77.78% and claims incurred ratio of 65.08%. It has settled 99.15% of claims in less than 30 days. The company has 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.
ManipalCigna ProHealth (Accumulate)
Manipal Cigna Health 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 slow as well.
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.
ManipalCigna ProHealth (Accumulate)
As part of the Manipal Cigna ProHealth (Accumulate)) 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 90 days after discharge, both up to the sum insured. Additionally, the plan covers 546 day care treatments, domiciliary treatments (except 8 illnesses), inpatient organ donor expenses, and modern treatments up to the sum insured. The Manipal Cigna ProHealth (Accumulate) Plan comes with a room rent limit and lets you pick any hospital room except suites. It has no ICU rent limit or sub-limits on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. However, it comes with an optional copay of 10% or 20% and a mandatory copay for entry age 65 years and above. It also has an optional deductible limit of Rs 50K, 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 7.5 Lakhs, or 10 Lakhs. The Manipal Cigna ProHealth (Accumulate) Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.