COMPARISON TATA AIG MEDICARE VS NIVA BUPA( Max Bupa)

Features TATA AIG MEDICARE PREMIER TATA AIG MEDICARE NIVA BUPA REASSUARE
Sum insured Options 5 Lac to 50 Lac 3 Lac to 20 Lac 3 Lac to 1 Cr
Max Entry Age 65 Yrs 65 Yrs
Policy tenure 1/2/3 Years 1/2/3 Years 1 YR
AYUSH BENEFIT COVERED COVERED COVERED
AMBULANCE COVER Rs. 5000/- per hospitalization Rs. 3000/- per hospitalization Covered upto 2,000 per hospitalization
Pre- Hospitalization Expense Upto 60 days Upto 60 days
Post- hospitalization Expense Upto 90 days Upto 180 days
IN PATIENT TREATMENT
Day Care Procedures
Upto Sum Insured
Organ Donar
Domicialary Treatment Upto Sum Insured
Global Cover NA
IN PATIENT TREATMENT - Dental NA
Restore Benefit UNLIMITED

Upto 1% previous of Sum Insured; Max cappings - 500 FOR 1 Lac SI, 5000 for individual policy,
Health Checkup
max. Rs.10,000 10000 for Family policy

Rs. 20000/- per policy year, for immediate family member of Insured, on incurring travel expenses-round trip,
Compassionate travel economy class air ticket, or first-class railway ticket to meet the insured who is hospitalized for 5 or more NA
consecutive days; Over and above SI

Consumables Benefit Covered consumables items which are related to lnsured's Treatment COVERED

Cumulative Bonus 50% of SI, up to max 100%, on every claim-free year 50% of SI, up to max 100%, on every claim-free year

Accidental Death Benefit 100% of Base SI if Insured meets with an accident-Inbuilt Available as ADD On ADD- ON

Bariatric Surgery Covered up to SI with reasonable and customary expenses.

Second Opinion (once in a policy year) if Insured person suffers from listed illnesses mentioned under Second
Second Opinion
Opinion

NA
Cover Max Rs. 5000/- on taking anti-rabies & typhoid vaccination from day one.
Vaccination Cover
For HPV & Hepatitis B-Vaccination after two years waiting period; Over and above SI

Hearing Aid Will pay 50% of actual cost OR Rs. 10,000/- every third Year; Over and above SI

Daily Cash for Chossing Shared accomodation Up to 0.25% of Base SI or max up to Rs. 2000/- per day, with no max days limit; Over and above SI ADD- ON

Daily Cash For accompanying an insured child Up to 0.25% of Base SI or max up to Rs. 2000/- per day, with no max days limit; Over and above SI ADD- ON

Global Cover Covered up to Base SI and Available Cumulative Bonus NA

Boy : Up to Rs. 50,000; Girl: Up to Rs. 60,000;

Maternity Cover
with 4 years Waiting Period

New Born Bsaby Cover Covered up to Rs. 10,000

First Year Vaccination for new-born child;

First year Vaccination
Boy : Up to Rs. 10,000; Girl: Up to Rs. 15,000
1% of SI, if Insured hospitalized due to diseases/illness/ injury
Prolonged Hospitalization
for more than 10 consecutive days; Over and above SI

High End Diagnostics

Covered up to Rs. 25,000/- per policy, year on listed
High-end Diagnostic test; Over and above SI
NA NA
Coverage of Consultations & Pharmacy, up to Rs. 5000/- per
OPD Treatment
policy year, after two years Waiting Period; Over and above SI

Covered up to Rs. 10,000/- after two years Waiting Period;

OPD Treatment - Dental
Over and above SI
Cashless claim: Covered up to sum insured Reimbursement
Emergency Air Ambulance Covered up to 5 Lakhs, Over and above SI
claim: Covered up to 2.5 Lacs