Insurance Plans Comparison
Care Super Mediclaim vs TATA AIG Medicare Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSuper Mediclaim
Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.
What Makes It Special:
Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.
Best For:
Customers comparing specialised health coverage options alongside their existing health insurance.
Individuals seeking insurance for defined surgical procedures.
People looking for cover for specified heart-related conditions.
Customers seeking financial protection for eligible cancer treatment.
Individuals looking for cover focused on specified critical illnesses.
VS
Medicare Premier
Comprehensive health insurance with enhanced coverage, wellness benefits and global protection.
What Makes It Special:
Tata AIG Medicare Premier is a comprehensive health insurance plan designed to offer wide-ranging protection for individuals and families. It features high sum insured options, global cover for inpatient treatments, maternity benefits, and coverage for organ donor expenses. The plan also includes a restoration benefit, annual health check-ups, and no-claim...
Best For:
Comprehensive Health Coverage
Global Inpatient Treatment
High Sum Insured Options
Family Floater Available
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
Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.
Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.
Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.
Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.
Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.
Worldwide inpatient treatment coverage
Sum insured up to ₹3 crores
Access to 12,000+ healthcare providers
Maternity cover after 4 years
100% sum insured restoration
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Super Mediclaim Health Insurance Plan VS VS |
![]() Medicare Premier Health Insurance Plan |
| Room Rent |
|---|
Super Mediclaim Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement. |
VS VS |
Medicare Premier All room categories are covered |
| ICU Charges |
|---|
Super Mediclaim ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants. |
VS VS |
Medicare Premier No restriction on ICU room rent |
| Co-payment |
|---|
Super Mediclaim A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment. |
VS VS |
Medicare Premier Not available |
| Disease-wise sublimits |
|---|
Super Mediclaim Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures. |
VS VS |
Medicare Premier No |
| Cashless Healthcare Providers |
|---|
Super Mediclaim Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time. |
VS VS |
Medicare Premier 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Super Mediclaim Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule. |
VS VS |
Medicare Premier 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 |
| Cumulative Bonus |
|---|
Super Mediclaim No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions. |
VS VS |
Medicare Premier 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 |
|---|
Super Mediclaim Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms. |
VS VS |
Medicare Premier Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Super Mediclaim Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms. |
VS VS |
Medicare Premier Yes |
| AYUSH Treatment |
|---|
Super Mediclaim Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments. |
VS VS |
Medicare Premier Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Super Mediclaim Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms. |
VS VS |
Medicare Premier 30 days |
| Specific Waiting Period |
|---|
Super Mediclaim A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant. |
VS VS |
Medicare Premier 2 years |
| PED Waiting Period |
|---|
Super Mediclaim The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version. |
VS VS |
Medicare Premier 3 years |
| Modern Treatment |
|---|
Super Mediclaim Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits. |
VS VS |
Medicare Premier Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Super Mediclaim Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions. |
VS VS |
Medicare Premier Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
VS VS |
Medicare Premier You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Super Mediclaim Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility. |
VS VS |
Medicare Premier You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Mediclaim OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness. |
VS VS |
Medicare Premier OPD expense is included |
| Deductible Option |
|---|
Super Mediclaim A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule. |
VS VS |
Medicare Premier Available as an option |
| Coverage Options |
|---|
Super Mediclaim Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures. |
VS VS |
Medicare Premier Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Super Mediclaim Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval. |
VS VS |
Medicare Premier 95.43% |
| Maternity Cover |
|---|
Super Mediclaim Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview. |
VS VS |
Medicare Premier Available |
Insurance Plans Comparison
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