Insurance Plans Comparison
HDFC ERGO EquiCover vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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EquiCover
EquiCover
What Makes It Special:
EquiCover is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
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
Not available
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
EquiCover Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
EquiCover Normal: Up to 1% of Sum Insured per day ICU: Up to 2% of Sum Insured per day |
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 |
| Advanced Treatments |
|---|
EquiCover Uterine Artery Embolization (UAE) HIFU (High Intensity Focused Ultrasound) Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy (Monoclonal Antibody Injection) Intra Vitreal Injections Robotic Surgeries Stereotactic Radio Surgeries Bronchial Thermoplasty Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Hematopoietic Stem Cell Therapy for Bone Marrow Transplant |
VS VS |
Medicare Select Information Unavailable |
| ICU Charges |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
EquiCover 20% Co-payment on every admissible claim |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select No |
| Waiting Period |
|---|
EquiCover Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period:
Specific Disease/Procedure Waiting Period: 24 Months |
VS VS |
Medicare Select Information Unavailable |
| Cashless Healthcare Providers |
|---|
EquiCover Cashless treatment available through network providers |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
EquiCover Covered |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
EquiCover Information Unavailable |
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 |
| AYUSH Treatment |
|---|
EquiCover Covered up to 100% of Sum Insured |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
EquiCover Information Unavailable |
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 |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
EquiCover Information Unavailable |
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 |
|---|
EquiCover Information Unavailable |
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) |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
EquiCover Information Unavailable |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
EquiCover Information Unavailable |
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.
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End-to-End Support
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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.
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