Tata AIG vs Kotak Mahindra
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Tata AIG vs Kotak Mahindra

Tata AIG and Kotak Mahindra both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Tata AIG are 10000+ Number Of Network Hospitals whereas Kotak Mahindra has 9000+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit Tata AIG

Tata AIG

Edit kotak-mahindra

Kotak Mahindra

Number of health insurance plans and add-ons
Sum insured Up to 3Cr Up to 25 Lakh
Network hospitals 10000+ 9000+
Claim ratio 93.55% 96.9%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Available Available
Global coverage Available Not Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available NA
Exclusive Plans for Women Available Available
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans Tata AIG MediCare, Tata AIG Arogya Sanjeevani Kotak Health Premier

Health Insurance Companies

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Plans offered by TATA AIG Health Insurance

Below is a list of plans offered by Tata AIG that will help you narrow down your search. Go through all the plans carefully and choose your ideal plan carefully.

Individual & Family Health Insurance

Comprehensive Plan

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Standard plan

TATA AIG Arogya Sanjeevani Policy

A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.

Unique Features

  • Cataract Treatment covered
  • AYUSH Coverage
  • Flexible Premium Payment

Arogya Sanjeevani Policy (Pros)

  • Robotic Surgeries
  • Oral chemotherapy
  • BronchialThermoplasty
  • Day Care Procedures Covered
  • Bronchial Thermoplasty

Arogya Sanjeevani Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Intra Vitreal Injections
  • Road Ambulance Cover
  • Plastic Surgery
  • AYUSH treatment Cover
  • Cumulative Bonus

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Specialized Health Plans

Critical Illness Plan

A unique policy that goes beyond health insurance by providing wellness programs. Provides services like consultation, discounts and newsletters on wellness.

Unique Benefits

  • Convalescence benefit
  • Critical illness benefit
  • Value added benefits

Top-up Policy

An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.

Unique Features

  • Global Coverage
  • Cumulative Bonus
  • Tax Benefit

Tata AIG Medicare Plus (Pros)

  • In-patient Treatment
  • Long Term Discount
  • Family Discount
  • Day Care Procedures
  • Lifelong Renewal

Tata AIG Medicare Plus (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Medicare Plus (Other Benefits)

  • Consumables Benefit
  • In-patient Dental Treatment
  • Ambulance Cover
  • AYUSH Benefit
  • Domiciliary Treatment

Tata AIG Medicare Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 1 Cr
  • Waiting Period - 30 Days

Critical Illness Policy

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

Group Health Policy

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

Health Insurance Plans by Kotak Health Insurance Company

Kotak Health Insurance offers several health insurance plans to fulfil the insurance needs of a diverse range of customers. Read below to get an insight into the plans offered by Kotak Mediclaim Insurance and explore what features and benefits they have to provide you with.

Individual & Family Health Insurance

Family Plan

Kotak Health Care

Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.

Unique Features

  • Enhanced coverage
  • Free Annual Health Check-ups
  • Lifetime Renewability

Comprehensive

A comprehensive health plan that offers protection plus rewards and value-added benefits. Additionally, the plan also comes with in-built maternity coverage.

Unique Features

  • Long Term & Family Discounts
  • Zone-wise premium classification
  • Critical Illness cover

Standard

Kotak Arogya Sanjeevani Policy

It is a standard health insurance plan that offers medical coverage of up to 10 Lakhs. Also, a fixed co-pay of 5% is applicable for all claims and ages in this policy

Unique Features

  • Coverage for cataract treatment
  • Modern treatments covered
  • Cumulative bonus of 5%

Specialized Plans

Critical Illness

Kotak Secure Shield

A critical illness insurance plan that covers the expenses incurred in treating critical illnesses by paying a one-time lump sum insured to the beneficiary.

Unique Features

  • Child education benefit
  • Personal accident benefit
  • Loss of job benefit

Personal Accident

Kotak Accident Care

The plan is specially designed to cover you and your family in case of an accidental injury, disability, or death.

Unique Features

  • Funeral expenses extension
  • Carriage of dead body
  • Ambulance charges

Top-up

Kotak Super Top-up

Kotak Super Top-up plan offers additional coverage to the policyholder to meet his/her medical expenses in case their base health coverage is exhausted.

Unique Features

  • 100% restoration of SI
  • Ambulance coverage up to 2,000
  • AYUSH Cover

Corona Specific

Corona Kavach Policy

Corona Kavach policy is a standard individual health insurance policy that protects you against hospitalization expenses that occur due to COVID-19.

Unique Features

  • Home care treatment expenses
  • Optional cover available
  • Benefit of up to 100% of SI

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.