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Insurance Plans Comparison

TATA AIG Medicare Plus vs Care Senior

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

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TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

VS
Care

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Plus
Medicare Plus

Health Insurance Plan

VS
Senior
Senior

Health Insurance Plan

Brochure

Room Rent

Medicare Plus

No capping on room rent or ICU charges.

VS

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

ICU Charges

Medicare Plus

No restriction on ICU room rent

VS

Senior

ICU charges are covered up to your sum insured during the policy period.

Disease-wise sublimits

Medicare Plus

No

VS

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

Co-payment

Medicare Plus

Not available

VS

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

Waiting Period

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
VS

Senior

Information Unavailable

Restoration Benefit

Medicare Plus

Not available

VS

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

Cashless Healthcare Providers

Medicare Plus

12046+ Healthcare Providers

VS

Senior

22,100+ cashless healthcare providers.

Cumulative Bonus

Medicare Plus

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

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

Daycare Treatment

Medicare Plus

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. 

VS

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

AYUSH Treatment

Medicare Plus

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

VS

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

Consumable Cover

Medicare Plus

Yes

VS

Senior

Consumable expenses are not covered under the plan.

Initial Waiting Period

Medicare Plus

30 days

VS

Senior

30 days for illnesses, except injuries caused by an accident.

Specific Waiting Period

Medicare Plus

2 years

VS

Senior

2 years for specified named ailments.

PED Waiting Period

Medicare Plus

3 years

VS

Senior

3 years for pre-existing diseases.

Modern Treatment

Medicare Plus

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

VS

Senior

Modern treatment methods are not covered under the plan.

Annual Health Checkup

Medicare Plus

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

VS

Senior

Annual health check-up is available for all insured members.

Pre-Hospitalisation

Medicare Plus

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

VS

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

Post-Hospitalisation

Medicare Plus

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

VS

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

Outpatient Department Cover (OPD Expense)

Medicare Plus

OPD expense is not included

VS

Senior

OPD expense is not included.

Deductible Option

Medicare Plus

Available

VS

Senior

Not available as a standard deductible option.

Coverage Options

Medicare Plus

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

VS

Senior

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

Claim Settlement Ratio

Medicare Plus

95.43%

VS

Senior

96.74% for FY 2024-25.

Maternity Cover

Medicare Plus

Not available

VS

Senior

Not available.

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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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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

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.

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