Insurance Plans Comparison
Care Plus Youth vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read morePlus Youth
Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.
What Makes It Special:
Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.
Best For:
Couples or families considering optional maternity and newborn cover.
Individuals looking for automatic recharge and a no-claim bonus.
Customers who value OPD consultations and dental and eye treatment benefits.
People who want hospitalisation and eligible daycare treatment cover.
Young adults looking to buy individual health insurance early.
VS
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
Insurance Plans Comparison
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Quick Decision Guide
If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.
Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.
Review room-rent and ICU limits based on your chosen sum insured.
Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.
Choose a sum insured that suits your healthcare needs and budget.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Plus Youth Health Insurance Plan VS VS |
![]() Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Plus Youth For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room. |
VS VS |
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 |
| ICU Charges |
|---|
Plus Youth For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Plus Youth The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Plus Youth Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Plus Youth Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Plus Youth Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions. |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Plus Youth No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms. |
VS VS |
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 |
| Daycare Treatment |
|---|
Plus Youth All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions. |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Plus Youth A separate comprehensive consumables benefit is not specified in the uploaded brochure. |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Plus Youth Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Plus Youth 30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure. |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Plus Youth 24 months for named ailments and procedures, subject to the policy wording and applicable exclusions. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Plus Youth 36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Plus Youth Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions. |
VS VS |
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Plus Youth Available for adult insured members, subject to the applicable policy terms. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured. |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Plus Youth Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured. |
VS VS |
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Plus Youth Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Plus Youth No deductible option is listed in the uploaded brochure’s optional-benefit section. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Plus Youth Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Plus Youth This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Plus Youth Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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