Policy compare
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Compare real policy features side-by-side and quickly spot where one plan is stronger.
| Feature | HDFC Ergo - Energy (Gold) | Tata AIG - MediCare Premier |
|---|---|---|
| Room Rent Limit | Capped | NA |
| Co-Pay | Yes | No |
| Initial Waiting (Days) | 30 | 30 |
| Specific Disease Waiting (Years) | 2 | 2 |
| Pre-existing Disease Waiting (Years) | 2 | NA |
| Pre-Hospitalisation | NA | 60 days (Covered up to: 60 days before hospitalization) |
| Post-Hospitalisation | NA | 90 days (Covered up to: 90 days after hospitalization) |
| Daycare Procedures | NA | Yes (Covered up to: sum insured) |
| Domiciliary | Yes | Yes (Covered up to: sum insured) |
| Organ Donor Cover | No (Covered up to: sum insured) | Yes |
| Modern Treatments | Yes (Covered up to: sum insured) | Yes (Covered up to: sum insured) |
| Refill on Exhaustion | Available | Available |
| Refill Illness Applicability | Related and unrelated illness | NA |
| Refill Trigger | Partial exhaustion of Sum Insured | Partial exhaustion of Sum Insured |
| Refill Limit | Once in a policy year | Unlimited times in a policy year (Add-on) |
| Refill Applicable Claim | First paid claim | Subsequent claims |
| Consumables | NA | Yes |
| Bonus Rate | NA | 50% |
| Bonus Max Limit | 100% | NA |
| Reduction in Bonus on Claim | No reduction | NA |
| % Settled < 30 Days | 96.63% | 80.55% |
| % Complaints on Claims | 0.15% | 0.10% |
| Incurred Claim Ratio | 87.04% | 80.65% |
| Claim Settlement Ratio (No.) | 95.19% | 81.42% |
| Claim Settlement Ratio (Value) | 77.69% | 78.74% |
| Claim Rejection Ratio | 2.47% | 15.24% |
| Cashless Hospitals | 15,000+ | 12,000+ |
| Affordability | NA | Expensive |
| Plan Type | Individual | Individual |