ICICI Lombard Elevate vs TATA AIG Medicare Plus

Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category

(Option to modify room category)

No capping on room rent or ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Available as an option

Not available

1. Initial waiting period: 30 Days

    

2. Specific Waiting Periods: 24 Months 

    

3. Pre-Existing Diseases: 36 Months 

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

(per claim in a policy year for related/unrelated illnesses)

Not available

10300+ Healthcare Providers

12046+ Healthcare Providers

Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

(Option to boost coverage by 1x annually)

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

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

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. 

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

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

No. However, available as an add-on

Yes

30 days

30 days

2 years

2 years

3 years

3 years

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

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

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

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it.

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

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

OPD expense is not included

Not available

Available

Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

88.50%

86.50%

No. However, available as an add-on.

Not available