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Insurance Plans Comparison

TATA AIG Medicare Senior vs ICICI Lombard Elevate (Direct)

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

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TATA AIG

Medicare Senior

Medicare Senior

What Makes It Special:

Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.

Best For:

  • Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion

  • Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups

  • Customers looking for AYUSH treatment and domiciliary hospitalization coverage

  • Individuals seeking inpatient and Day Care Treatment coverage

  • Senior citizens looking for comprehensive health insurance coverage

VS
ICICI Lombard

Elevate (Direct)

Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.

What Makes It Special:

ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...

Best For:

  • Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.

  • Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.

  • Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.

  • Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.

  • Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.

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

TATA AIG Medicare Senior

  • Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.

  • Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.

  • Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.

  • Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.

  • Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.

ICICI Lombard Elevate (Direct)

  • Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.

  • Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.

  • Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.

  • Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.

  • Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Senior
Medicare Senior

Health Insurance Plan

Brochure

Policy Wording

VS
Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare Senior

Covered according to the room category specified in the Policy Schedule.

VS

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

ICU Charges

Medicare Senior

Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms.

VS

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

Co-payment

Medicare Senior

10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category.

VS

Elevate (Direct)

Voluntary co-payment available as optional cover.

Disease-wise sublimits

Medicare Senior

Applicable limits may apply to specific benefits and treatments as specified in the policy.

VS

Elevate (Direct)

Not Available.

Cashless Healthcare Providers

Medicare Senior

Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions.

VS

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

Restoration Benefit

Medicare Senior

Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions.

VS

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

Cumulative Bonus

Medicare Senior

50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured.

VS

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

Daycare Treatment

Medicare Senior

Listed Day Care Procedures are covered as specified under the policy.

VS

Elevate (Direct)

Eligible day-care procedures covered under base plan.

Consumable Cover

Medicare Senior

Covered for specified consumables as per the policy terms.

VS

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

AYUSH Treatment

Medicare Senior

Covered for eligible inpatient treatment in an AYUSH Hospital.

VS

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

Initial Waiting Period

Medicare Senior

30 days, except for claims arising from accidents

VS

Elevate (Direct)

30 days from policy start for specified illnesses.

Specific Waiting Period

Medicare Senior

24 months for specified diseases and procedures, subject to applicable policy terms.

VS

Elevate (Direct)

24 months for specified diseases.

PED Waiting Period

Medicare Senior

36 months of continuous coverage.

VS

Elevate (Direct)

36 months for pre-existing diseases.

Modern Treatment

Medicare Senior

Covered as per applicable policy terms and conditions.

VS

Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

Annual Health Checkup

Medicare Senior

Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions.

VS

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

Pre-Hospitalisation

Medicare Senior

Covered for up to 60 days before hospitalisation.

VS

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

Post-Hospitalisation

Medicare Senior

Covered for up to 90 days after discharge.

VS

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

Outpatient Department Cover (OPD Expense)

Medicare Senior

Not covered as a general base OPD benefit.

VS

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

Deductible Option

Medicare Senior

Not specified as a standard deductible option.

VS

Elevate (Direct)

Voluntary deductible available as optional cover.

Coverage Options

Medicare Senior

Individual and Family Floater options, subject to the Sum Insured options available under the policy.

VS

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

Claim Settlement Ratio

Medicare Senior

Not specified in the supplied policy document.

VS

Elevate (Direct)

Not publicly specified on official product page.

Maternity Cover

Medicare Senior

Not covered under the base policy.

VS

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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