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Insurance Plans Comparison

Care Enhance Super Top-up Two vs TATA AIG Medicare

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

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Care

Enhance Super Top-up Two

High-value super top-up health cover with flexible deductibles for major hospitalisation expenses.

What Makes It Special:

Enhance 2 is a high-deductible health insurance option from Care Health Insurance Limited, designed to provide additional cover once eligible medical expenses cross the selected policy deductible. It offers sum insured choices from ₹30 lakh to ₹55 lakh and deductible options of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20...

Best For:

  • Individuals looking for high sum insured options of ₹30 lakh to ₹55 lakh.

  • Buyers who can comfortably manage the selected deductible through savings or another insurance policy.

  • Families seeking a higher overall level of hospitalisation cover without buying an equivalent amount of base health insurance.

  • Buyers who understand the plan's waiting periods, room category, co-payment and exclusions before choosing it.

  • People who already have employer-provided or personal health insurance and want additional protection against large hospital bills.

VS
TATA AIG

Medicare

Tata AIG Medicare

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.

Insurance Plans Comparison

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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 Enhance Super Top-up Two

  • Check the base policy: Confirm that your existing policy or available funds can meet the deductible and that the policies' terms work together for claims.

  • Compare room eligibility: The brochure describes a single private AC room with upgrading to the next level; check the exact room entitlement and any linked deductions in the issued wording.

  • Review waiting periods: Account for the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month pre-existing disease waiting period specified in the supplied Customer Information Sheet.

  • Confirm the exact policy version: Benefits and exclusions can change. Verify the policy wording, Customer Information Sheet, deductible and sum insured combination offered at purchase.

  • Choose the deductible carefully: Ensure that you can fund the selected ₹5 lakh to ₹20 lakh deductible when a claim arises.

TATA AIG Medicare

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Enhance Super Top-up Two
Enhance Super Top-up Two

Health Insurance Plan

Brochure

Policy Wording

VS
Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Enhance Super Top-up Two

Single private AC room, with upgrading to the next room category permitted .

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Enhance Super Top-up Two

ICU charges are covered without a separate monetary limit stated in the brochure, subject to the policy's sum insured, deductible and terms.

VS

Medicare

4% of Sum Insured per day

Co-payment

Enhance Super Top-up Two

A 20% co-payment applies to each admissible claim for first-time entrants aged 61 years or above and their subsequent renewals, as described in the Customer Information Sheet.

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Enhance Super Top-up Two

No separate disease-wise sub-limit

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Enhance Super Top-up Two

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Enhance Super Top-up Two

Cashless treatment is available at the insurer's network hospitals, subject to hospital participation and pre-authorisation. Use the current Care Health Insurance hospital locator for the live network count.

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

Enhance Super Top-up Two

No standard restoration benefit.

VS

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

Enhance Super Top-up Two

No standard cumulative bonus.

VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Enhance Super Top-up Two

Specified daycare treatments requiring less than 24 hours of hospitalisation are covered, subject to the policy wording.

VS

Medicare

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.

Consumable Cover

Enhance Super Top-up Two

No separate standard consumables benefit.

VS

Medicare

Not Covered as a Separate Benefit

AYUSH Treatment

Enhance Super Top-up Two

Covered benefit up to the sum insured, subject to applicable policy terms and exclusions.

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Initial Waiting Period

Enhance Super Top-up Two

30 days for illnesses, except accidents; the waiting period does not apply to continuous renewals as described in the Customer Information Sheet.

VS

Medicare

30 Days

Specific Waiting Period

Enhance Super Top-up Two

24 months of continuous coverage for listed named ailments and procedures, subject to the policy wording.

VS

Medicare

24 Months

PED Waiting Period

Enhance Super Top-up Two

36 months for pre-existing diseases.

VS

Medicare

36 Months

Modern Treatment

Enhance Super Top-up Two

Covers eligible inpatient and specified daycare treatment under the policy. Advanced technology methods are subject to the treatments expressly covered in the applicable policy wording.

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Enhance Super Top-up Two

Available for covered adult members, irrespective of claim history, subject to policy terms.

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Enhance Super Top-up Two

Eligible medical expenses for up to 30 days before hospitalisation.

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Enhance Super Top-up Two

Eligible medical expenses for up to 60 days after hospital discharge.

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Enhance Super Top-up Two

Routine outpatient treatment is excluded under the supplied policy wording. Do not list standard OPD treatment as an included benefit.

VS

Medicare

Not Covered under Base Policy

Deductible Option

Enhance Super Top-up Two

₹5 lakh, ₹10 lakh, ₹15 lakh or ₹20 lakh per policy year, subject to available combinations. Eligible expenses are payable under the policy only after the applicable deductible is met.

VS

Medicare

Not Specified

Coverage Options

Enhance Super Top-up Two

Sum insured options of ₹30 lakh, ₹35 lakh, ₹40 lakh, ₹45 lakh, ₹50 lakh and ₹55 lakh, subject to available deductible combinations.

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Enhance Super Top-up Two

96.99%

VS

Medicare

Not Specified

Maternity Cover

Enhance Super Top-up Two

Maternity and childbirth-related hospitalisation expenses are excluded under the supplied brochure, except for the stated ectopic-pregnancy exception.

VS

Medicare

Not Covered

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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

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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)

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