Insurance Plans Comparison
Care Senior vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read more
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
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
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
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
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
Senior Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Senior Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan. |
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 |
|---|
Senior ICU charges are covered up to your sum insured during the policy period. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Senior 20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Senior Yes, sublimits apply to specified diseases and treatments as per the policy terms. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Senior 22,100+ cashless healthcare providers. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
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. |
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 |
|---|
Senior Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured. |
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 |
|---|
Senior Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured. |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Senior Consumable expenses are not covered under the plan. |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Senior Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Senior 30 days for illnesses, except injuries caused by an accident. |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Senior 2 years for specified named ailments. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Senior 3 years for pre-existing diseases. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Senior Modern treatment methods are not covered under the plan. |
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 |
|---|
Senior Annual health check-up is available for all insured members. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Senior You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible. |
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 |
|---|
Senior You get cover for medical expenses up to 180 days after discharge from the hospital. |
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) |
|---|
Senior OPD expense is not included. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Senior Not available as a standard deductible option. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Senior Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Senior 96.74% for FY 2024-25. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Senior Not available. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Senior vs Optima Secure
Senior vs Super Mediclaim
Senior vs Health Recharge
Senior vs Cancer Cover Activ Cancer Secure Plan
Senior vs Optima Secure Plus
Senior vs Women Care
Senior vs Aspire Diamond+
Senior vs Activate Booster Plan A
Senior vs Active Care Premier
Senior vs ProHealth Accumulate
Senior vs Health Super Saver Standard
Senior vs Supreme Shine
Senior vs Optima Secure Global Plus
Senior vs Health Cardiac Care Silver & Gold Plan
Senior vs myHealth Suraksha Gold
Senior vs LifeTime Health Global
Senior vs Active Fit Plus
Senior vs OneHealth Premium
Senior vs Activ Health Platinum Essential
Senior vs Medicare Plus
Senior vs Medicare Senior
Senior vs Enhance Super Top-up Two
Senior vs Medicare Protect
Senior vs Activ One SAVR
Senior vs Active Assure Diamond
Senior vs Activ One VIP
Senior vs Health Pulse Classic
Senior vs Advantage
Senior vs Special Care Gold
Senior vs Activ One Max
Senior vs Classic
Senior vs Activ One Vytl
Senior vs Supreme
Senior vs Freedom
Senior vs Sarvah Pratham
Senior vs Joy Today
Senior vs Medi Classic
Senior vs Activate Booster Plan B
Senior vs Aspire Gold+
Senior vs Aspire Platinum+
Senior vs Plus Complete
Senior vs Reassure 2.0 Platinum+
Senior vs Elder Care
Senior vs Reassure 3.0 Elite
Senior vs EquiCover
Senior vs Young Star Gold
Senior vs Enhance Super Top-up One
Senior vs Joy Tomorrow
Senior vs Activ One VIP+
Senior vs Reassure 3.0 Select
Senior vs Red Carpet Senior Citizens
Senior vs Medicare Premier
Senior vs Family Health Optima
Senior vs Health Companion Variant 2022
Senior vs Health Companion Variant 3
Senior vs Plus Youth
Senior vs Assure
Senior vs Health Premia Gold
Senior vs Health Premia Platinum
Senior vs Cancer Care Platinum
Senior vs Optima Lite
Senior vs ProHealth Prime Protect
Senior vs Comprehensive
Senior vs HeartBeat Enhanced
Senior vs Reassure
Senior vs Supreme Senior Premium
Senior vs Health Recharge Super Top Up Plan
Senior vs Reassure 3.0
Senior vs myHealth Suraksha Platinum
Senior vs Supreme Value for Money
Senior vs Supreme Senior Super
Senior vs Supreme Enhance
Senior vs Reassure 2.0 Gold
Senior vs Medicare
Senior vs Ultimate (Direct)
Senior vs Young Star
Senior vs Sarvah Param
Senior vs Optima Insurance
Senior vs Smart Super Health Assure
Senior vs Reassure 3.0 Black
Senior vs Health Guard Platinum
Senior vs Health Guard Gold
Senior vs Elevate (Direct)
Senior vs Extra Care Plus Super Top-up
Senior vs Health Care Supreme Smart
Senior vs Smart Health Pro
Senior vs Medi Classic Gold
Senior vs Optima Super Secure
Senior vs Special Care
Senior vs Medicare LITE
Senior vs Health Shield 360
Senior vs SecureHealth
Senior vs Supreme (Direct)
Senior vs Plus
Senior vs Mediclaim Insurance Policy
Senior vs Medicare Select
Senior vs Health Gain
Senior vs myHealth Koti Suraksha
Senior vs myHealth Suraksha Silver
Senior vs Cardiac Care Platinum
Senior vs Royal Sundaram Lifeline Elite
Senior vs Super Surplus Gold
Senior vs Supreme Enhance One
Senior vs Supreme Enhance Two
Senior vs HeartBeat Platinum
Senior vs HeartBeat Gold
Senior vs Health SuperCharge
Senior vs Aspire Titanium+
Senior vs iHealth Plus
Senior vs ProHealth Prime Advantage
Senior vs Active Fit Preferred
Senior vs Reassure 3.0 Classic
Senior vs Senior Health Advantage
Senior vs Health Wallet
Senior vs Elevate
Senior vs Heart
Senior vs LifeTime Health
Senior vs Reassure 2.0 Titanium+
Senior vs ProHealth Prime Active
Senior vs ProHealth Prime Senior Elite
Senior vs Advanced Top Up
Senior vs Multiplier Health
Senior vs Diabetes Safe Plan A
Senior vs Reassure 2.0 Bronze+
Senior vs Enhance Super Top-up
Senior vs Young Star Silver
Senior vs Star Women Care Policy
Senior vs Joy
Senior vs Supreme Senior Health AdvantEdge
Senior vs Family Plus
Senior vs Criti Shield Plus
Senior vs Health Care Supreme Ultimo
Senior vs Health Shield 360 Retail
Senior vs Super Star
Senior vs Supreme Super Saver
Senior vs Senior First Platinum
Senior vs Optima Secure Global
Senior vs NextGen
Senior vs Health Insurance Platinum
Senior vs Energy Silver With Copay
Medicare Select vs Optima Secure
Medicare Select vs Super Mediclaim
Medicare Select vs Health Recharge
Medicare Select vs Cancer Cover Activ Cancer Secure Plan
Medicare Select vs Optima Secure Plus
Medicare Select vs Women Care
Medicare Select vs Aspire Diamond+
Medicare Select vs Activate Booster Plan A
Medicare Select vs Active Care Premier
Medicare Select vs ProHealth Accumulate
Medicare Select vs Health Super Saver Standard
Medicare Select vs Supreme Shine
Medicare Select vs Optima Secure Global Plus
Medicare Select vs Health Cardiac Care Silver & Gold Plan
Medicare Select vs myHealth Suraksha Gold
Medicare Select vs LifeTime Health Global
Medicare Select vs Active Fit Plus
Medicare Select vs OneHealth Premium
Medicare Select vs Activ Health Platinum Essential
Medicare Select vs Medicare Plus
Medicare Select vs Medicare Senior
Medicare Select vs Enhance Super Top-up Two
Medicare Select vs Medicare Protect
Medicare Select vs Activ One SAVR
Medicare Select vs Active Assure Diamond
Medicare Select vs Activ One VIP
Medicare Select vs Health Pulse Classic
Medicare Select vs Advantage
Medicare Select vs Special Care Gold
Medicare Select vs Activ One Max
Medicare Select vs Classic
Medicare Select vs Activ One Vytl
Medicare Select vs Supreme
Medicare Select vs Freedom
Medicare Select vs Sarvah Pratham
Medicare Select vs Joy Today
Medicare Select vs Medi Classic
Medicare Select vs Activate Booster Plan B
Medicare Select vs Aspire Gold+
Medicare Select vs Aspire Platinum+
Medicare Select vs Plus Complete
Medicare Select vs Reassure 2.0 Platinum+
Medicare Select vs Elder Care
Medicare Select vs Reassure 3.0 Elite
Medicare Select vs EquiCover
Medicare Select vs Young Star Gold
Medicare Select vs Enhance Super Top-up One
Medicare Select vs Joy Tomorrow
Medicare Select vs Activ One VIP+
Medicare Select vs Reassure 3.0 Select
Medicare Select vs Red Carpet Senior Citizens
Medicare Select vs Medicare Premier
Medicare Select vs Family Health Optima
Medicare Select vs Health Companion Variant 2022
Medicare Select vs Health Companion Variant 3
Medicare Select vs Plus Youth
Medicare Select vs Assure
Medicare Select vs Health Premia Gold
Medicare Select vs Health Premia Platinum
Medicare Select vs Cancer Care Platinum
Medicare Select vs Optima Lite
Medicare Select vs ProHealth Prime Protect
Medicare Select vs Comprehensive
Medicare Select vs HeartBeat Enhanced
Medicare Select vs Reassure
Medicare Select vs Supreme Senior Premium
Medicare Select vs Health Recharge Super Top Up Plan
Medicare Select vs Reassure 3.0
Medicare Select vs myHealth Suraksha Platinum
Medicare Select vs Supreme Value for Money
Medicare Select vs Supreme Senior Super
Medicare Select vs Supreme Enhance
Medicare Select vs Reassure 2.0 Gold
Medicare Select vs Medicare
Medicare Select vs Ultimate (Direct)
Medicare Select vs Young Star
Medicare Select vs Sarvah Param
Medicare Select vs Optima Insurance
Medicare Select vs Smart Super Health Assure
Medicare Select vs Reassure 3.0 Black
Medicare Select vs Health Guard Platinum
Medicare Select vs Health Guard Gold
Medicare Select vs Elevate (Direct)
Medicare Select vs Extra Care Plus Super Top-up
Medicare Select vs Health Care Supreme Smart
Medicare Select vs Smart Health Pro
Medicare Select vs Medi Classic Gold
Medicare Select vs Optima Super Secure
Medicare Select vs Special Care
Medicare Select vs Medicare LITE
Medicare Select vs Health Shield 360
Medicare Select vs SecureHealth
Medicare Select vs Supreme (Direct)
Medicare Select vs Plus
Medicare Select vs Mediclaim Insurance Policy
Medicare Select vs Health Gain
Medicare Select vs myHealth Koti Suraksha
Medicare Select vs Senior
Medicare Select vs myHealth Suraksha Silver
Medicare Select vs Cardiac Care Platinum
Medicare Select vs Royal Sundaram Lifeline Elite
Medicare Select vs Super Surplus Gold
Medicare Select vs Supreme Enhance One
Medicare Select vs Supreme Enhance Two
Medicare Select vs HeartBeat Platinum
Medicare Select vs HeartBeat Gold
Medicare Select vs Health SuperCharge
Medicare Select vs Aspire Titanium+
Medicare Select vs iHealth Plus
Medicare Select vs ProHealth Prime Advantage
Medicare Select vs Active Fit Preferred
Medicare Select vs Reassure 3.0 Classic
Medicare Select vs Senior Health Advantage
Medicare Select vs Health Wallet
Medicare Select vs Elevate
Medicare Select vs Heart
Medicare Select vs LifeTime Health
Medicare Select vs Reassure 2.0 Titanium+
Medicare Select vs ProHealth Prime Active
Medicare Select vs ProHealth Prime Senior Elite
Medicare Select vs Advanced Top Up
Medicare Select vs Multiplier Health
Medicare Select vs Diabetes Safe Plan A
Medicare Select vs Reassure 2.0 Bronze+
Medicare Select vs Enhance Super Top-up
Medicare Select vs Young Star Silver
Medicare Select vs Star Women Care Policy
Medicare Select vs Joy
Medicare Select vs Supreme Senior Health AdvantEdge
Medicare Select vs Family Plus
Medicare Select vs Criti Shield Plus
Medicare Select vs Health Care Supreme Ultimo
Medicare Select vs Health Shield 360 Retail
Medicare Select vs Super Star
Medicare Select vs Supreme Super Saver
Medicare Select vs Senior First Platinum
Medicare Select vs Optima Secure Global
Medicare Select vs NextGen
Medicare Select vs Health Insurance Platinum
Medicare Select vs Energy Silver With Copay
Related Blogs
Making Health Insurance Affordable: Is EMI Really the Best Way?
February 4, 2026 | OneAssure Team
Read MoreInsurance in 2026: Great for Your Wallet, But What’s Still Missing?
February 1, 2026 | OneAssure Team
Read MoreHow India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
February 1, 2026 | OneAssure Team
Read More.png)
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
November 17, 2025 | Mahak Chauhan
Read More
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
September 25, 2025 | OneAssure Team
Read More
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.