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TATA AIG Medicare Select vs Care Freedom

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

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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

VS
Care

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

  • Covers daycare treatments without overnight stay.

  • Pre- and post-hospitalization expenses included.

  • Safeguards against critical illness and emergencies.

  • Comprehensive coverage for hospitalization and treatment.

  • 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 Select
Medicare Select

Health Insurance Plan

VS
Freedom
Freedom

Health Insurance Plan

Room Rent

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

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 Select

No restriction on ICU room rent

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 Select

No

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 Select

Not available

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.

Cashless Healthcare Providers

Medicare Select

12,000+ Healthcare Providers

VS

Freedom

11,600+ cashless network hospitals are available across India.

Restoration Benefit

Medicare Select

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

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.

Cumulative Bonus

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

VS

Freedom

No cumulative bonus is available.

Daycare Treatment

Medicare Select

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

VS

Freedom

Covers all eligible Day Care Procedures up to the sum insured.

Consumable Cover

Medicare Select

No. However, available as an add-on

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.

AYUSH Treatment

Medicare Select

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

VS

Freedom

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

Initial Waiting Period

Medicare Select

30 days

VS

Freedom

30 days for all illnesses, except accidental injuries.

Specific Waiting Period

Medicare Select

2 years

VS

Freedom

2 years for specified named ailments.

PED Waiting Period

Medicare Select

3 years

VS

Freedom

2 years for pre-existing diseases.

Modern Treatment

Medicare Select

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

VS

Freedom

Coverage for treatment using specified advanced technology methods is not available under the plan.

Annual Health Checkup

Medicare Select

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

VS

Freedom

Annual health checkup is available for all adult members insured under the policy.

Pre-Hospitalisation

Medicare Select

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

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 Select

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

VS

Freedom



Outpatient Department Cover (OPD Expense)

Medicare Select

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

VS

Freedom

OPD expense is not included in the base plan.

Deductible Option

Medicare Select

Available as an option

VS

Freedom

Not available as a standard deductible option.

Coverage Options

Medicare Select

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

VS

Freedom

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio

Medicare Select

95.43%

VS

Freedom

96.3% for the period April 2025 to December 2025.

Maternity Cover

Medicare Select

Available

VS

Freedom

Not 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?

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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

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  • Tailored for seniors healthcare needs

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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

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Frequently Asked Questions (FAQs)

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