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Insurance Plans Comparison

TATA AIG Medicare Protect vs ICICI Lombard Criti Shield Family Shield

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

Cover specified consumables and more than 540 listed day-care procedures, add a 10% cumulative bonus each claim-free year up to 100%, and pay 10% of an admissible claim if you take a room above shared accommodation.

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

Criti Shield Family Shield

Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.

What Makes It Special:

ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.

Best For:

  • Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.

  • Buyers who want to explore optional benefits such as broken bones or burns cover.

  • People who value fixed hospital daily cash benefits where selected.

  • Families seeking additional financial protection against eligible accidental injuries.

  • Buyers looking for defined benefits for specified infectious diseases.

Insurance Plans Comparison

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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 Criti Shield Family Shield

  • If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.

  • Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.

  • Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.

  • Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.

  • Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.

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
Criti Shield Family Shield
Criti Shield Family Shield

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare Protect

Normal: Shared Accommodation

VS

Criti Shield Family Shield

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered Up to Sum Insured
Advanced Treatments

Medicare Protect

Covered

VS

Criti Shield Family Shield

  1. Oral Chemotherapy 
  2. Robotic Surgeries 
  3. Stem Cell Therapy 
ICU Charges

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate.

Co-payment

Medicare Protect

10% co-payment on admissible claim amount

VS

Criti Shield Family Shield

Co payment is applicable as chosen by the insured. 

It allows the insured to opt for 10% or 20% co-payment.

Disease-wise sublimits

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate.

Waiting Period

Medicare Protect

Initial Waiting Period: 30 Days (except accidents)

Pre-existing Disease Waiting Period: 48 Months

VS

Criti Shield Family Shield

Information Unavailable

Cashless Healthcare Providers

Medicare Protect

Cashless facility available at network hospitals

VS

Criti Shield Family Shield

10,000+ Healthcare Providers

Restoration Benefit

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

No restoration benefit verified.

Daycare Treatment

Medicare Protect

Covered

VS

Criti Shield Family Shield

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy​

Cumulative Bonus

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%.

AYUSH Treatment

Medicare Protect

Covered

VS

Criti Shield Family Shield

.

Consumable Cover

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Not specified.

Initial Waiting Period

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure.

Specific Waiting Period

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

30 days for specific infectious disease benefits.

PED Waiting Period

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording.

Modern Treatment

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Not specified as a standalone benefit in the reviewed product information.

Annual Health Checkup

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Not specified.

Pre-Hospitalisation

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified.

Post-Hospitalisation

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified.

Outpatient Department Cover (OPD Expense)

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit.

Deductible Option

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Any deductible or loss-sharing provision must be confirmed in the policy certificate.

Coverage Options

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits.

Claim Settlement Ratio

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

FY 2024-25: ~84%


Maternity Cover

Medicare Protect

Information Unavailable

VS

Criti Shield Family Shield

Maternity and pregnancy-termination expenses are listed among exclusions.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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)

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