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Insurance Plans Comparison

Care Ultimate (Direct) vs TATA AIG Medicare Select

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

What Makes It Special:

Ultimate (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
TATA AIG

Medicare Select

Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits

What Makes It Special:

TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.

Best For:

  • Flexible sum insured options

  • Critical illness and daycare treatments

  • Pre- and post-hospitalization expenses covered

  • Comprehensive individual and family coverage

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Care Ultimate (Direct)

Not available

TATA AIG Medicare Select

  • Covers daycare treatments without overnight stay.

  • Pre- and post-hospitalization expenses included.

  • Safeguards against critical illness and emergencies.

  • Comprehensive coverage for hospitalization and treatment.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Medicare Select
Medicare Select

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Medicare Select

Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Medicare Select

Information Unavailable

ICU Charges

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

No restriction on ICU room rent

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Medicare Select

Not available

Disease-wise sublimits

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

No

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Medicare Select

Information Unavailable

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Medicare Select

12,000+ Healthcare Providers

Restoration Benefit

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Medicare Select

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

Cumulative Bonus

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Consumable Cover

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

No. However, available as an add-on

AYUSH Treatment

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Initial Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

30 days

Specific Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

2 years

PED Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

3 years

Modern Treatment

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Annual Health Checkup

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Post-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

Available as an option

Coverage Options

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

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

Claim Settlement Ratio

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

95.43%

Maternity Cover

Ultimate (Direct)

Information Unavailable

VS

Medicare Select

Available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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