Insurance Plans Comparison
TATA AIG Medicare Select vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
VS
Golden Shield
Cover hospital care for seniors, with a twin-sharing room below ₹10 lakh and a single private AC room from ₹10 lakh, a 50% co-pay on every admissible claim, and 60 days before admission plus 180 days after discharge.
What Makes It Special:
ICICI Lombard Golden Shield is designed for senior citizens and offers hospitalisation cover through individual and family floater options. Benefits include inpatient treatment, daycare procedures, AYUSH hospitalisation, pre- and post-hospitalisation expenses, domiciliary treatment and a Reset Benefit. The policy also offers a Loyalty Bonus and optional features such as Claim...
Best For:
Buyers seeking additional features such as Claim Protector or Care Management Plus, subject to availability and eligibility.
Customers who want to evaluate options for reducing the policy's standard co-payment.
Buyers who want a reset feature for eligible subsequent hospitalisation claims.
Older couples looking for a shared family floater or individual cover options.
Senior citizens seeking health insurance for eligible hospitalisation expenses.
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
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Compare the disease-specific sublimits with your healthcare needs, especially for cataract, cardiovascular treatment, cancer and renal conditions.
Review the 24-month PED and specified-disease waiting periods, along with the separate 90-day exclusion for hypertension, diabetes and cardiac conditions.
Check the room category linked to your sum insured to avoid unexpected proportionate deductions.
Review the base 50% co-payment carefully and compare the additional premium for reducing it to 40%, 30% or 20%.
Select a sum insured based on expected medical expenses and confirm that the desired option is available for your age and health profile.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
VS VS |
Golden Shield ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges. |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Advanced Treatments |
|---|
Medicare Select Information Unavailable |
VS VS |
Golden Shield The plan covers advanced treatments like robotic surgeries, immunotherapy, oral chemotherapy, stem cell therapy, and minimally invasive procedures for various conditions. |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Golden Shield Yes. Cataract and specified cardiovascular, cerebrovascular, cancer, renal, long-bone/joint and robotic-surgery treatments have limits that vary by sum insured. |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Golden Shield The ICICI Lombard Golden Shield plan includes a mandatory 50% co-payment, meaning policyholders are responsible for half of the admissible claim amount, while the insurer covers the remaining 50%. This co-payment applies to all claims made under the policy. |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
VS VS |
Golden Shield Unlimited Reset Benefit of up to 100% of the annual sum insured for eligible subsequent claims. It does not apply to the first claim and has restrictions for the same illness or related complications. |
| Cumulative Bonus |
|---|
Medicare Select 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 |
VS VS |
Golden Shield Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made. |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Golden Shield Covered under the policy. |
| Consumable Cover |
|---|
Medicare Select No. However, available as an add-on |
VS VS |
Golden Shield Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim. |
| AYUSH Treatment |
|---|
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Golden Shield Covered under this policy |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Annual Health Checkup |
|---|
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Golden Shield Information Unavailable |
| Pre-Hospitalisation |
|---|
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Golden Shield Up to 7% of hospitalisation expenses, subject to a maximum of ₹5,000 for ₹3–5 lakh sum insured, ₹7,000 for ₹10–15 lakh, and ₹10,000 for ₹20–50 lakh. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Golden Shield Not included as a general standard reimbursement benefit. Outpatient consultations may be available through the optional Care Management Plus Program. |
| Deductible Option |
|---|
Medicare Select Available as an option |
VS VS |
Golden Shield Optional voluntary deductible of 20% of the annual sum insured, applied on an aggregate basis during the policy year. |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Golden Shield Individual or family floater; optional Claim Protector, reduced co-payment, voluntary deductible and Care Management Plus Program. |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
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?
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
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Medicare Select vs Supreme Senior Premium
Medicare Select vs Energy Silver Without Copay
Medicare Select vs Ultimate
Medicare Select vs EquiCover
Medicare Select vs Optima Secure Global Plus
Medicare Select vs Optima Secure
Medicare Select vs Super Mediclaim
Medicare Select vs Critical Illness Platinum Plan
Medicare Select vs Health Recharge
Medicare Select vs Golden Shield
Medicare Select vs Optima Secure Plus
Medicare Select vs Cancer Cover Activ Cancer Secure Plan
Medicare Select vs LifeTime Health Global
Medicare Select vs Women Care
Medicare Select vs Aspire Diamond+
Medicare Select vs Activate Booster Plan A
Medicare Select vs myHealth Medisure Super Top-up
Medicare Select vs Health Super Saver Standard
Medicare Select vs Active Care Premier
Medicare Select vs ProHealth Accumulate
Medicare Select vs Health Booster SuperTopup Individual Adult 1 Year N
Medicare Select vs Supreme Shine
Medicare Select vs Health Shield 360 Retail
Medicare Select vs Health Cardiac Care Silver & Gold Plan
Medicare Select vs myHealth Suraksha Gold
Medicare Select vs Max Protect Premium
Medicare Select vs Elder Care
Medicare Select vs Young Star Gold
Medicare Select vs Assure
Medicare Select vs Active Fit Plus
Medicare Select vs Cancer Care Platinum
Medicare Select vs Health Connect Elite
Medicare Select vs Arogya Sanjeevani
Medicare Select vs OneHealth Premium
Medicare Select vs ProHealth Prime Protect
Medicare Select vs Optima Lite
Medicare Select vs Medicare Plus
Medicare Select vs Activ Health Platinum Essential
Medicare Select vs GoActive
Medicare Select vs Criti Shield Family Shield
Medicare Select vs Medicare Senior
Medicare Select vs Enhance Super Top-up Two
Medicare Select vs Reassure 3.0
Medicare Select vs Medicare Protect
Medicare Select vs Health AdvantEdge Plus
Medicare Select vs Activ One SAVR
Medicare Select vs Active Assure Diamond
Medicare Select vs Activ One VIP
Medicare Select vs Health Pulse Classic
Medicare Select vs Advantage
Medicare Select vs Mediclaim Insurance Policy
Medicare Select vs iHealth
Medicare Select vs Special Care Gold
Medicare Select vs Energy Gold Without Copay
Medicare Select vs Activ One Max
Medicare Select vs Smart Super Health
Medicare Select vs Classic
Medicare Select vs Activ One Vytl
Medicare Select vs Supreme
Medicare Select vs Freedom
Medicare Select vs Sarvah Pratham
Medicare Select vs Joy Today
Medicare Select vs Medi Classic
Medicare Select vs Activate Booster Plan B
Medicare Select vs Aspire Gold+
Medicare Select vs Health Gain
Medicare Select vs Aspire Platinum+
Medicare Select vs Plus Complete
Medicare Select vs Health Companion Family First Plan
Medicare Select vs Reassure 2.0 Platinum+
Medicare Select vs Reassure 3.0 Elite
Medicare Select vs Enhance Super Top-up One
Medicare Select vs Joy Tomorrow
Medicare Select vs Reassure 3.0 Select
Medicare Select vs Activ One VIP+
Medicare Select vs Red Carpet Senior Citizens
Medicare Select vs Super Surplus Gold
Medicare Select vs Health SuperCharge
Medicare Select vs Health Elite Plus
Medicare Select vs Medicare Premier
Medicare Select vs Family Health Optima
Medicare Select vs Health Companion Variant 2022
Medicare Select vs Health Companion Variant 3
Medicare Select vs Plus Youth
Medicare Select vs ProHealth Prime Advantage
Medicare Select vs Critical Illness Silver Plan
Medicare Select vs Health Premia Gold
Medicare Select vs Health Premia Platinum
Medicare Select vs Comprehensive
Medicare Select vs HeartBeat Enhanced
Medicare Select vs Reassure
Medicare Select vs Complete Health Insurance Health Shield Plus Plan
Medicare Select vs myHealth Suraksha Platinum
Medicare Select vs Health Recharge Super Top Up Plan
Medicare Select vs Supreme Value for Money
Medicare Select vs Supreme Enhance Two
Medicare Select vs Supreme Senior Super
Medicare Select vs Supreme Enhance
Medicare Select vs Reassure 2.0 Gold
Medicare Select vs Active Fit Preferred
Medicare Select vs LifeTime Health
Medicare Select vs Medicare
Medicare Select vs ProHealth Prime Active
Medicare Select vs ProHealth Prime Senior Elite
Medicare Select vs Advanced Top Up
Medicare Select vs Multiplier Health
Medicare Select vs Ultimate (Direct)
Medicare Select vs Young Star
Medicare Select vs Star Women Care Policy
Medicare Select vs Health Assurance
Medicare Select vs Family Plus
Medicare Select vs Sarvah Param
Medicare Select vs Optima Insurance
Medicare Select vs Smart Super Health Assure
Medicare Select vs Criti Shield Plus
Medicare Select vs Health Care Supreme Ultimo
Medicare Select vs Super Star
Medicare Select vs Reassure 3.0 Black
Medicare Select vs Health Guard Platinum
Medicare Select vs Health Guard Gold
Medicare Select vs Elevate (Direct)
Medicare Select vs Senior First Platinum
Medicare Select vs Extra Care Plus Super Top-up
Medicare Select vs Health Care Supreme Smart
Medicare Select vs Medi Classic Gold
Medicare Select vs Smart Health Pro
Medicare Select vs Optima Super Secure
Medicare Select vs Optima Secure Global
Medicare Select vs Special Care
Medicare Select vs Medicare LITE
Medicare Select vs NextGen
Medicare Select vs Health Shield 360
Medicare Select vs SecureHealth
Medicare Select vs Energy Silver With Copay
Medicare Select vs Supreme (Direct)
Medicare Select vs Plus
Medicare Select vs Complete Health Insurance Health Protect Plus Plan
Medicare Select vs myHealth Koti Suraksha
Medicare Select vs Senior
Medicare Select vs myHealth Suraksha Silver
Medicare Select vs Health Booster
Medicare Select vs Complete Health Insurance Health Shield
Medicare Select vs Cardiac Care Platinum
Medicare Select vs Royal Sundaram Lifeline Elite
Medicare Select vs HeartBeat Platinum
Medicare Select vs Supreme Enhance One
Medicare Select vs HeartBeat Gold
Medicare Select vs Health Companion Variant 2
Medicare Select vs Health Companion Variant 1
Medicare Select vs Aspire Titanium+
Medicare Select vs iHealth Plus
Medicare Select vs Reassure 3.0 Classic
Medicare Select vs Senior Health Advantage
Medicare Select vs Health Wallet
Medicare Select vs Elevate
Medicare Select vs Heart
Medicare Select vs Reassure 2.0 Titanium+
Medicare Select vs Diabetes Safe Plan A
Medicare Select vs Reassure 2.0 Bronze+
Medicare Select vs Young Star Silver
Medicare Select vs Enhance Super Top-up
Medicare Select vs Joy
Medicare Select vs Health Elite
Medicare Select vs Supreme Senior Health AdvantEdge
Medicare Select vs Health AdvantEdge
Medicare Select vs Supreme Super Saver
Medicare Select vs Health Insurance Platinum
Golden Shield vs Supreme Senior Premium
Golden Shield vs Energy Silver Without Copay
Golden Shield vs Ultimate
Golden Shield vs EquiCover
Golden Shield vs Optima Secure Global Plus
Golden Shield vs Optima Secure
Golden Shield vs Super Mediclaim
Golden Shield vs Critical Illness Platinum Plan
Golden Shield vs Health Recharge
Golden Shield vs Optima Secure Plus
Golden Shield vs Cancer Cover Activ Cancer Secure Plan
Golden Shield vs LifeTime Health Global
Golden Shield vs Women Care
Golden Shield vs Aspire Diamond+
Golden Shield vs Activate Booster Plan A
Golden Shield vs myHealth Medisure Super Top-up
Golden Shield vs Health Super Saver Standard
Golden Shield vs Active Care Premier
Golden Shield vs ProHealth Accumulate
Golden Shield vs Health Booster SuperTopup Individual Adult 1 Year N
Golden Shield vs Supreme Shine
Golden Shield vs Health Shield 360 Retail
Golden Shield vs Health Cardiac Care Silver & Gold Plan
Golden Shield vs myHealth Suraksha Gold
Golden Shield vs Max Protect Premium
Golden Shield vs Elder Care
Golden Shield vs Young Star Gold
Golden Shield vs Assure
Golden Shield vs Active Fit Plus
Golden Shield vs Cancer Care Platinum
Golden Shield vs Health Connect Elite
Golden Shield vs Arogya Sanjeevani
Golden Shield vs OneHealth Premium
Golden Shield vs ProHealth Prime Protect
Golden Shield vs Optima Lite
Golden Shield vs Medicare Plus
Golden Shield vs Activ Health Platinum Essential
Golden Shield vs GoActive
Golden Shield vs Criti Shield Family Shield
Golden Shield vs Medicare Senior
Golden Shield vs Enhance Super Top-up Two
Golden Shield vs Reassure 3.0
Golden Shield vs Medicare Protect
Golden Shield vs Health AdvantEdge Plus
Golden Shield vs Activ One SAVR
Golden Shield vs Active Assure Diamond
Golden Shield vs Activ One VIP
Golden Shield vs Health Pulse Classic
Golden Shield vs Advantage
Golden Shield vs Mediclaim Insurance Policy
Golden Shield vs iHealth
Golden Shield vs Special Care Gold
Golden Shield vs Energy Gold Without Copay
Golden Shield vs Activ One Max
Golden Shield vs Smart Super Health
Golden Shield vs Classic
Golden Shield vs Activ One Vytl
Golden Shield vs Supreme
Golden Shield vs Freedom
Golden Shield vs Sarvah Pratham
Golden Shield vs Joy Today
Golden Shield vs Medi Classic
Golden Shield vs Activate Booster Plan B
Golden Shield vs Aspire Gold+
Golden Shield vs Health Gain
Golden Shield vs Aspire Platinum+
Golden Shield vs Plus Complete
Golden Shield vs Health Companion Family First Plan
Golden Shield vs Reassure 2.0 Platinum+
Golden Shield vs Reassure 3.0 Elite
Golden Shield vs Enhance Super Top-up One
Golden Shield vs Joy Tomorrow
Golden Shield vs Reassure 3.0 Select
Golden Shield vs Activ One VIP+
Golden Shield vs Red Carpet Senior Citizens
Golden Shield vs Super Surplus Gold
Golden Shield vs Health SuperCharge
Golden Shield vs Health Elite Plus
Golden Shield vs Medicare Premier
Golden Shield vs Family Health Optima
Golden Shield vs Health Companion Variant 2022
Golden Shield vs Health Companion Variant 3
Golden Shield vs Plus Youth
Golden Shield vs ProHealth Prime Advantage
Golden Shield vs Critical Illness Silver Plan
Golden Shield vs Health Premia Gold
Golden Shield vs Health Premia Platinum
Golden Shield vs Comprehensive
Golden Shield vs HeartBeat Enhanced
Golden Shield vs Reassure
Golden Shield vs Complete Health Insurance Health Shield Plus Plan
Golden Shield vs myHealth Suraksha Platinum
Golden Shield vs Health Recharge Super Top Up Plan
Golden Shield vs Supreme Value for Money
Golden Shield vs Supreme Enhance Two
Golden Shield vs Supreme Senior Super
Golden Shield vs Supreme Enhance
Golden Shield vs Reassure 2.0 Gold
Golden Shield vs Active Fit Preferred
Golden Shield vs LifeTime Health
Golden Shield vs Medicare
Golden Shield vs ProHealth Prime Active
Golden Shield vs ProHealth Prime Senior Elite
Golden Shield vs Advanced Top Up
Golden Shield vs Multiplier Health
Golden Shield vs Ultimate (Direct)
Golden Shield vs Young Star
Golden Shield vs Star Women Care Policy
Golden Shield vs Health Assurance
Golden Shield vs Family Plus
Golden Shield vs Sarvah Param
Golden Shield vs Optima Insurance
Golden Shield vs Smart Super Health Assure
Golden Shield vs Criti Shield Plus
Golden Shield vs Health Care Supreme Ultimo
Golden Shield vs Super Star
Golden Shield vs Reassure 3.0 Black
Golden Shield vs Health Guard Platinum
Golden Shield vs Health Guard Gold
Golden Shield vs Elevate (Direct)
Golden Shield vs Senior First Platinum
Golden Shield vs Extra Care Plus Super Top-up
Golden Shield vs Health Care Supreme Smart
Golden Shield vs Medi Classic Gold
Golden Shield vs Smart Health Pro
Golden Shield vs Optima Super Secure
Golden Shield vs Optima Secure Global
Golden Shield vs Special Care
Golden Shield vs Medicare LITE
Golden Shield vs NextGen
Golden Shield vs Health Shield 360
Golden Shield vs SecureHealth
Golden Shield vs Energy Silver With Copay
Golden Shield vs Supreme (Direct)
Golden Shield vs Plus
Golden Shield vs Medicare Select
Golden Shield vs Complete Health Insurance Health Protect Plus Plan
Golden Shield vs myHealth Koti Suraksha
Golden Shield vs Senior
Golden Shield vs myHealth Suraksha Silver
Golden Shield vs Health Booster
Golden Shield vs Complete Health Insurance Health Shield
Golden Shield vs Cardiac Care Platinum
Golden Shield vs Royal Sundaram Lifeline Elite
Golden Shield vs HeartBeat Platinum
Golden Shield vs Supreme Enhance One
Golden Shield vs HeartBeat Gold
Golden Shield vs Health Companion Variant 2
Golden Shield vs Health Companion Variant 1
Golden Shield vs Aspire Titanium+
Golden Shield vs iHealth Plus
Golden Shield vs Reassure 3.0 Classic
Golden Shield vs Senior Health Advantage
Golden Shield vs Health Wallet
Golden Shield vs Elevate
Golden Shield vs Heart
Golden Shield vs Reassure 2.0 Titanium+
Golden Shield vs Diabetes Safe Plan A
Golden Shield vs Reassure 2.0 Bronze+
Golden Shield vs Young Star Silver
Golden Shield vs Enhance Super Top-up
Golden Shield vs Joy
Golden Shield vs Health Elite
Golden Shield vs Supreme Senior Health AdvantEdge
Golden Shield vs Health AdvantEdge
Golden Shield vs Supreme Super Saver
Golden Shield vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.







.png)