TATA AIG Medicare Premier vs Care Insurance Heart

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

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

OPD expense is included

OPD expense is not included

All room categories are covered

Up to ₹3 L sum insured – 1% of Sum Insured per day

Not available

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

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

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

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

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

No restriction on ICU room rent

Up to ₹3 L sum insured – 2% of Sum Insured per day

No

Yes

Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

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

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

Yes

No. However, available as an add-on

30 days

30 days

2 years

2 years

3 years

2 years

Health check-up is available from the first policy year

Health check-up is available from the first policy year

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

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

Available as an option

Not available

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

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

86.50%

87.10%

Available

Not available

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

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

12,000+ Healthcare Providers

21700+ Healthcare Providers