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Insurance Plans Comparison

TATA AIG Medicare Protect 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 Protect

Medicare Protect

What Makes It Special:

TATA AIG MediCare Protect is a comprehensive health insurance plan designed to cover eligible medical expenses arising from illness, disease and accidental injury. The plan provides In-Patient Treatment, Day Care Procedures, pre and post-hospitalisation coverage, AYUSH treatment, domiciliary treatment and organ donor expenses, along with benefits such as restoration, health...

Best For:

  • Customers looking for additional protection through benefits such as Consumables Benefit and the optional Accidental Death Benefit.

  • Individuals who want coverage for AYUSH treatment, domiciliary treatment and eligible organ donor expenses.

  • Customers looking for additional support through restoration, preventive health check-ups and compassionate travel benefits.

  • Families looking for health insurance with Family Floater coverage and shared Sum Insured benefits.

  • Individuals looking for comprehensive coverage for hospitalisation and Day Care Procedures.

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 Protect

  • If you want additional protection against specified medical consumables or accidental death, the applicable benefits can be available subject to the policy schedule and conditions.

  • The plan provides a preventive health check-up benefit after every three continuous claim-free policy years, subject to the applicable limit and conditions.

  • Consider the plan if access to AYUSH treatment, domiciliary treatment and eligible organ donor expenses is important to you.

  • The plan may be suitable if you want automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to the applicable conditions.

  • Consider MediCare Protect if you want coverage for hospitalisation along with pre-hospitalisation, post-hospitalisation and listed Day Care Procedures.

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 Protect
Medicare Protect

Health Insurance Plan

Brochure

Policy Wording

VS
Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare Protect

Normal: Shared Accommodation

VS

Elevate (Direct)

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

Advanced Treatments

Medicare Protect

Covered

VS

Elevate (Direct)

Information Unavailable

ICU Charges

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

Co-payment

Medicare Protect

10% co-payment on admissible claim amount

VS

Elevate (Direct)

Voluntary co-payment available as optional cover.

Disease-wise sublimits

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Not Available.

Waiting Period

Medicare Protect

Initial Waiting Period: 30 Days (except accidents)

Pre-existing Disease Waiting Period: 48 Months

VS

Elevate (Direct)

Information Unavailable

Cashless Healthcare Providers

Medicare Protect

Cashless facility available at network hospitals

VS

Elevate (Direct)

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

Restoration Benefit

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

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

Daycare Treatment

Medicare Protect

Covered

VS

Elevate (Direct)

Eligible day-care procedures covered under base plan.

Cumulative Bonus

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

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

AYUSH Treatment

Medicare Protect

Covered

VS

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

Consumable Cover

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

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

Initial Waiting Period

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

30 days from policy start for specified illnesses.

Specific Waiting Period

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

24 months for specified diseases.

PED Waiting Period

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

36 months for pre-existing diseases.

Modern Treatment

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

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

Annual Health Checkup

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

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

Pre-Hospitalisation

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

Post-Hospitalisation

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

Outpatient Department Cover (OPD Expense)

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

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

Deductible Option

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Voluntary deductible available as optional cover.

Coverage Options

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

Claim Settlement Ratio

Medicare Protect

Information Unavailable

VS

Elevate (Direct)

Not publicly specified on official product page.

Maternity Cover

Medicare Protect

Information Unavailable

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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