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Insurance Plans Comparison

Care Ultimate vs TATA AIG Medicare

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

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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.

VS
TATA AIG

Medicare

Cover specified hospital consumables and inpatient treatment abroad if you were diagnosed in India, restore the basic sum insured when that cover and the cumulative bonus are exhausted, and add a 50% bonus up to 100% after a claim-free year.

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment 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

Care Ultimate

  • 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.

TATA AIG Medicare

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate
Ultimate

Health Insurance Plan

Brochure

VS
Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Ultimate

All room categories are covered

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Ultimate

No restriction on ICU room rent

VS

Medicare

4% of Sum Insured per day

Co-payment

Ultimate

Not available

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Ultimate

No 

VS

Medicare

Applicable to Specified Treatments

Waiting Period

Ultimate

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Ultimate

21700+ Healthcare Providers

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

Ultimate

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

VS

Medicare

Available Once for Road Traffic Accident

Daycare Treatment

Ultimate

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

VS

Medicare

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.

Cumulative Bonus

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.

VS

Medicare

5% of Sum Insured per claim-free year

AYUSH Treatment

Ultimate

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

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Consumable Cover

Ultimate

No. However, available as an add-on

VS

Medicare

Not Covered as a Separate Benefit

Initial Waiting Period

Ultimate

30 days

VS

Medicare

30 Days

Specific Waiting Period

Ultimate

2 years
 

VS

Medicare

24 Months

PED Waiting Period

Ultimate

3 years
 

VS

Medicare

36 Months

Modern Treatment

Ultimate

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

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Ultimate

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

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Ultimate

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

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Ultimate

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

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Ultimate

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

VS

Medicare

Not Covered under Base Policy

Deductible Option

Ultimate

Not available

VS

Medicare

Not Specified

Coverage Options

Ultimate

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

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Ultimate

96%

VS

Medicare

Not Specified

Maternity Cover

Ultimate

Not available

VS

Medicare

Not Covered

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

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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.

1-5 of 10 FAQs

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