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Insurance Plans Comparison

TATA AIG Medicare Plus vs Care Classic

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

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TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

VS
Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

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

TATA AIG Medicare Plus

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Plus
Medicare Plus

Health Insurance Plan

Brochure

Policy Wording

VS
Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare Plus

No capping on room rent or ICU charges.

VS

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

ICU Charges

Medicare Plus

No restriction on ICU room rent

VS

Classic

No limit for SI ≥ ₹5 lakh.

Disease-wise sublimits

Medicare Plus

No

VS

Classic

Standard sublimits apply

Co-payment

Medicare Plus

Not available

VS

Classic

Optional

Waiting Period

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
VS

Classic

Information Unavailable

Restoration Benefit

Medicare Plus

Not available

VS

Classic

Standard No-Claim Bonus.

Cashless Healthcare Providers

Medicare Plus

12046+ Healthcare Providers

VS

Classic

10000+ network hospitals.

Cumulative Bonus

Medicare Plus

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

VS

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

Daycare Treatment

Medicare Plus

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. 

VS

Classic

All Day Care Procedures are covered, subject to policy terms.

AYUSH Treatment

Medicare Plus

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

VS

Classic

Covered

Consumable Cover

Medicare Plus

Yes

VS

Classic

Not Available

Initial Waiting Period

Medicare Plus

30 days

VS

Classic

30 days

Specific Waiting Period

Medicare Plus

2 years

VS

Classic

24 months

PED Waiting Period

Medicare Plus

3 years

VS

Classic

36 months

Modern Treatment

Medicare Plus

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

VS

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

Annual Health Checkup

Medicare Plus

Health check-up is available once every policy year, from day 1 of the policy

VS

Classic

Available as add-on

Pre-Hospitalisation

Medicare Plus

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

VS

Classic

60 days

Post-Hospitalisation

Medicare Plus

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

VS

Classic

180 days post-discharge

Outpatient Department Cover (OPD Expense)

Medicare Plus

OPD expense is not included

VS

Classic

Optional Add-on

Deductible Option

Medicare Plus

Available

VS

Classic

Available

Coverage Options

Medicare Plus

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

VS

Classic

Individual or Family Floater

Claim Settlement Ratio

Medicare Plus

95.43%

VS

Classic

95.45%

Maternity Cover

Medicare Plus

Not available

VS

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

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

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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.

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