TATA AIG Medicare Premier vs Aditya Birla Vytl

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

OPD expense is included

OPD expense is not included

All room categories are covered

All room categories are covered

Not available

Available as an option

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

Your sum insured increases by 50% every year up to 100%, maximum 3cr

Yes

Yes 

30 days

30 days

2 years

2 years

3 years

3 years

Health check-up is available from the first policy year

Health check-up is available from the first policy year

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Available as an option

Available as an option

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

86.50%

93.70%

Available

Not available

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

12,000+ Healthcare Providers

11000+ Healthcare Providers