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Insurance Plans Comparison

TATA AIG Medicare vs ICICI Lombard Elevate

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

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TATA AIG

Medicare

Tata AIG Medicare

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
ICICI Lombard

Elevate

Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits

What Makes It Special:

ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...

Best For:

  • Comprehensive All-Round Protection

  • Global Health Insurance Coverage

  • Advanced Critical Illness Cover

  • Tech-Enabled Seamless Support

Insurance Plans Comparison

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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

  • 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.

ICICI Lombard Elevate

  • You want global and all-round health coverage

  • You need CIBIL discount on good credit score

  • You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1

  • You need a good customer app which has a simplified claims experience

  • You need unlimited sum insured restoration benefits and high cumulative bonus

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

VS
Elevate
Elevate

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
VS

Elevate

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)

ICU Charges

Medicare

4% of Sum Insured per day

VS

Elevate

No restriction on ICU room rent

Co-payment

Medicare

No Specific Mandatory Co-payment Mentioned

VS

Elevate

Available as an option


Disease-wise sublimits

Medicare

Applicable to Specified Treatments

VS

Elevate

No

Waiting Period

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
VS

Elevate

Information Unavailable

Cashless Healthcare Providers

Medicare

11,000+ Cashless Hospitals

VS

Elevate

10300+ Healthcare Providers

Restoration Benefit

Medicare

Available Once for Road Traffic Accident

VS

Elevate

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)

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

Elevate

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

Cumulative Bonus

Medicare

5% of Sum Insured per claim-free year

VS

Elevate

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)

AYUSH Treatment

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

VS

Elevate

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


Consumable Cover

Medicare

Not Covered as a Separate Benefit

VS

Elevate

No. However, available as an add-on

Initial Waiting Period

Medicare

30 Days

VS

Elevate

30 days

Specific Waiting Period

Medicare

24 Months

VS

Elevate

2 years

PED Waiting Period

Medicare

36 Months

VS

Elevate

3 years

Modern Treatment

Medicare

Covered up to 25% of Sum Insured

VS

Elevate

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

Annual Health Checkup

Medicare

Available as per Policy Terms

VS

Elevate

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

Pre-Hospitalisation

Medicare

Covered for Up to 30 Days

VS

Elevate

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

Post-Hospitalisation

Medicare

Covered for Up to 60 Days

VS

Elevate

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


Outpatient Department Cover (OPD Expense)

Medicare

Not Covered under Base Policy

VS

Elevate

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

Deductible Option

Medicare

Not Specified

VS

Elevate

Not available

Coverage Options

Medicare

₹1 Lakh to ₹10 Lakh

VS

Elevate

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


Claim Settlement Ratio

Medicare

Not Specified

VS

Elevate

97.16%

Maternity Cover

Medicare

Not Covered

VS

Elevate

No. However, available as an add-on.


Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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  • 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.

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