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Insurance Plans Comparison

Care Freedom 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

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.

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

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 Freedom

  • 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.

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

Freedom
Freedom

Health Insurance Plan

Policy Wording

VS
Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

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.

VS

Medicare

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

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.

VS

Medicare

4% of Sum Insured per day

Co-payment

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.

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

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.

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Freedom

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

Freedom

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

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

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.

VS

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

Freedom

No cumulative bonus is available.

VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Freedom

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

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

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.

VS

Medicare

Not Covered as a Separate Benefit

AYUSH Treatment

Freedom

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

VS

Medicare

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

Initial Waiting Period

Freedom

30 days for all illnesses, except accidental injuries.

VS

Medicare

30 Days

Specific Waiting Period

Freedom

2 years for specified named ailments.

VS

Medicare

24 Months

PED Waiting Period

Freedom

2 years for pre-existing diseases.

VS

Medicare

36 Months

Modern Treatment

Freedom

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

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Freedom

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

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

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.

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Freedom



VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Freedom

OPD expense is not included in the base plan.

VS

Medicare

Not Covered under Base Policy

Deductible Option

Freedom

Not available as a standard deductible option.

VS

Medicare

Not Specified

Coverage Options

Freedom

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

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Freedom

96.3% for the period April 2025 to December 2025.

VS

Medicare

Not Specified

Maternity Cover

Freedom

Not available.

VS

Medicare

Not Covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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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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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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