Care Insurance Heart vs TATA AIG Medicare Plus

Not available

Not available

21700+ Healthcare Providers

12046+ Healthcare Providers

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

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. 

87.10%

86.50%

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

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

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

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

No restriction on ICU room rent

Yes

No

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

Not available

No. However, available as an add-on

Yes

30 days

30 days

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

No capping on room rent or ICU charges.

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

Not available

2 years

2 years

2 years

3 years

Health check-up is available from the first policy year

Health check-up is available once every policy year, from day 1 of the policy

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

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

Not available

Available

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

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

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

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

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

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

OPD expense is not included

OPD expense is not included

Initial waiting period: 30 Days