Insurance Plans Comparison
TATA AIG Medicare vs HDFC ERGO Critical Illness Silver Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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.
VS
Critical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
Insurance Plans Comparison
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Quick Decision Guide
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.
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Medicare Health Insurance Plan VS VS |
Critical Illness Silver Plan Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Critical Illness Silver Plan Not applicable. |
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Critical Illness Silver Plan Not applicable |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Waiting Period |
|---|
Medicare
|
VS VS |
Critical Illness Silver Plan Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
| Daycare Treatment |
|---|
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. |
VS VS |
Critical Illness Silver Plan Not applicable |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Critical Illness Silver Plan Not specified |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Critical Illness Silver Plan Not applicable |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
Critical Illness Silver Plan Not applicable. |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
Critical Illness Silver Plan 90 days |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
Critical Illness Silver Plan Not specified. |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
Critical Illness Silver Plan Not applicable |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Critical Illness Silver Plan Not applicable |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Critical Illness Silver Plan Not applicable |
| Deductible Option |
|---|
Medicare Not Specified |
VS VS |
Critical Illness Silver Plan Not applicable |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
Critical Illness Silver Plan 97% approximately |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Critical Illness Silver Plan Not covered. |
Insurance Plans Comparison
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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.
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