Insurance Plans Comparison
TATA AIG Medicare Plus vs Care Freedom
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare 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
Freedom
Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period
What Makes It Special:
Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.
Best For:
Buyers wanting consumable daily allowance
Families looking for annual health check-ups.
Individuals seeking health insurance without undergoing pre-policy medical screening.
Customer is looking for a short two year PED waiting period
Buyers managing diabetes, hypertension, or elevated BMI.
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
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
Co-payment provisions applied based on age
In-built, one time, automatic sum insured recharge
Includes annual health checkups for all covered adult member.
Requires no pre-policy medical checkup across all ages and sum insured choices.
Features are reduced 24 months waiting period for pre-existing diseases.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Plus Health Insurance Plan VS VS |
Freedom Health Insurance Plan |
| Room Rent |
|---|
Medicare Plus No capping on room rent or ICU charges. |
VS VS |
Freedom For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered. |
| ICU Charges |
|---|
Medicare Plus No restriction on ICU room rent |
VS VS |
Freedom ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options. |
| Disease-wise sublimits |
|---|
Medicare Plus No |
VS VS |
Freedom Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures. |
| Co-payment |
|---|
Medicare Plus Not available |
VS VS |
Freedom 20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms. |
| Waiting Period |
|---|
Medicare Plus
|
VS VS |
Freedom Information Unavailable |
| Restoration Benefit |
|---|
Medicare Plus Not available |
VS VS |
Freedom Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims. |
| Cashless Healthcare Providers |
|---|
Medicare Plus 12046+ Healthcare Providers |
VS VS |
Freedom 11,600+ cashless network hospitals are available across India. |
| 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 VS |
Freedom No cumulative bonus is available. |
| 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 VS |
Freedom Covers all eligible Day Care Procedures up to the sum insured. |
| AYUSH Treatment |
|---|
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
VS VS |
Freedom Covers AYUSH treatment expenses up to the sum insured during the policy period. |
| Consumable Cover |
|---|
Medicare Plus Yes |
VS VS |
Freedom Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days. |
| Initial Waiting Period |
|---|
Medicare Plus 30 days |
VS VS |
Freedom 30 days for all illnesses, except accidental injuries. |
| Specific Waiting Period |
|---|
Medicare Plus 2 years |
VS VS |
Freedom 2 years for specified named ailments. |
| PED Waiting Period |
|---|
Medicare Plus 3 years |
VS VS |
Freedom 2 years for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Freedom Coverage for treatment using specified advanced technology methods is not available under the plan. |
| Annual Health Checkup |
|---|
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Freedom Annual health checkup is available for all adult members insured under the policy. |
| 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 VS |
Freedom Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option. |
| Post-Hospitalisation |
|---|
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Freedom |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Plus OPD expense is not included |
VS VS |
Freedom OPD expense is not included in the base plan. |
| Deductible Option |
|---|
Medicare Plus Available |
VS VS |
Freedom Not available as a standard deductible option. |
| Coverage Options |
|---|
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Freedom Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
| Claim Settlement Ratio |
|---|
Medicare Plus 95.43% |
VS VS |
Freedom 96.3% for the period April 2025 to December 2025. |
| Maternity Cover |
|---|
Medicare Plus Not available |
VS VS |
Freedom Not available. |
Insurance Plans Comparison
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Insurance Plans Comparison
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