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TATA AIG Medicare LITE vs Care Ultimate

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

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TATA AIG

Medicare LITE

Restore 100% of the sum insured once in a policy year if the balance and cumulative bonus fall short, earn a 50% bonus up to 100% after a claim-free year, and get a cashless health check-up every year.

What Makes It Special:

Affordable health insurance with comprehensive hospitalisation coverage

Best For:

  • Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.

  • Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.

  • Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.

  • Families looking for Individual or Family Floater health insurance coverage.

  • Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.

VS
Care

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • Health-conscious customers seeking wellness rewards and renewal discounts.

  • Individuals interested in unlimited restoration of their sum insured.

  • Customers who value rewards for remaining claim-free.

  • People looking for coverage options up to ₹1 crore.

  • Individuals and families seeking comprehensive hospitalisation 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

  • Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.

  • If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.

  • MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.

  • The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.

  • Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.

  • Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.

  • Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.

  • Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.

  • Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.

  • Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare LITE
Medicare LITE

Health Insurance Plan

VS
Ultimate
Ultimate

Health Insurance Plan

Brochure

Room Rent

Medicare LITE

Normal: Single Private Room

ICU: Up to Sum Insured

VS

Ultimate

All room categories are covered

Advanced Treatments

Medicare LITE

Bariatric Surgery Cover

Modern Treatments (subject to policy terms and limits)

In-Patient Dental Treatment

Hearing Aid Benefit

VS

Ultimate

Information Unavailable

ICU Charges

Medicare LITE

Information Unavailable

VS

Ultimate

No restriction on ICU room rent

Co-payment

Medicare LITE

20% co-payment if entry age is 61 years or above at first coverage

30% co-payment for treatment outside the "Valued Provider – Pan India" network

VS

Ultimate

Not available

Disease-wise sublimits

Medicare LITE

No specific disease-wise sublimit specified

VS

Ultimate

No 

Waiting Period

Medicare LITE

Initial Waiting Period: 30 days

Pre-existing Disease Waiting Period: 36 months

VS

Ultimate

Information Unavailable

Cashless Healthcare Providers

Medicare LITE

Cashless treatment available through Valued Provider – Pan India network

VS

Ultimate

21700+ Healthcare Providers

Restoration Benefit

Medicare LITE

100% of Sum Insured restored once during the policy year

VS

Ultimate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment

Medicare LITE

Covered up to Sum Insured

VS

Ultimate

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

Cumulative Bonus

Medicare LITE

Information Unavailable

VS

Ultimate

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

AYUSH Treatment

Medicare LITE

Covered up to Sum Insured

VS

Ultimate

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

Consumable Cover

Medicare LITE

Information Unavailable

VS

Ultimate

No. However, available as an add-on

Initial Waiting Period

Medicare LITE

Information Unavailable

VS

Ultimate

30 days

Specific Waiting Period

Medicare LITE

Information Unavailable

VS

Ultimate

2 years
 

PED Waiting Period

Medicare LITE

Information Unavailable

VS

Ultimate

3 years
 

Modern Treatment

Medicare LITE

Information Unavailable

VS

Ultimate

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

Annual Health Checkup

Medicare LITE

Information Unavailable

VS

Ultimate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Medicare LITE

Covered up to 60 days before hospitalisation

VS

Ultimate

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

Post-Hospitalisation

Medicare LITE

Covered up to 180 days after hospitalisation

VS

Ultimate

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

Outpatient Department Cover (OPD Expense)

Medicare LITE

Not covered

VS

Ultimate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Medicare LITE

Not specified

VS

Ultimate

Not available

Coverage Options

Medicare LITE

₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs

VS

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

Claim Settlement Ratio

Medicare LITE

Not specified in the product prospectus

VS

Ultimate

96%

Maternity Cover

Medicare LITE

Not covered

VS

Ultimate

Not 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

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)

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