Insurance Plans Comparison
TATA AIG Medicare Protect vs ICICI Lombard Golden Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare 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
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
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Quick Decision Guide
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.
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 Protect Health Insurance Plan VS VS |
![]() Golden Shield Health Insurance Plan |
| Room Rent |
|---|
Medicare Protect Normal: Shared Accommodation |
VS VS |
Golden Shield ICICI Lombard's Health Shield plan offers comprehensive coverage with no specific capping on room rent or ICU charges. |
| Advanced Treatments |
|---|
Medicare Protect Covered |
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. |
| ICU Charges |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield Covered under eligible inpatient hospitalisation, subject to the annual sum insured and applicable policy conditions. |
| Co-payment |
|---|
Medicare Protect 10% co-payment on admissible claim amount |
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. |
| Disease-wise sublimits |
|---|
Medicare Protect Information Unavailable |
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. |
| Waiting Period |
|---|
Medicare Protect Initial Waiting Period: 30 Days (except accidents) Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Golden Shield Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare Protect Cashless facility available at network hospitals |
VS VS |
Golden Shield 10,896+ hospitals across India. |
| Restoration Benefit |
|---|
Medicare Protect Information Unavailable |
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. |
| Daycare Treatment |
|---|
Medicare Protect Covered |
VS VS |
Golden Shield Covered under the policy. |
| Cumulative Bonus |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield Loyalty Bonus accumulates under the policy's renewal rules; accrued bonus is not reduced merely because a claim is made. |
| AYUSH Treatment |
|---|
Medicare Protect Covered |
VS VS |
Golden Shield Covered under this policy |
| Consumable Cover |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield Claim Protector is available as an optional cover for eligible non-medical items associated with an accepted inpatient claim. |
| Initial Waiting Period |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield 30 days for illnesses, except covered accident-related hospitalisation. |
| Specific Waiting Period |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield 24 months for listed diseases and procedures. |
| PED Waiting Period |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield 24 months of continuous coverage for declared and accepted pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield Listed modern treatments are covered up to the annual sum insured, subject to specified sublimits. |
| Pre-Hospitalisation |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield 60 days before hospitalisation, subject to policy terms and the accepted inpatient claim. |
| Post-Hospitalisation |
|---|
Medicare Protect Information Unavailable |
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 Protect Information Unavailable |
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 Protect Information Unavailable |
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 Protect Information Unavailable |
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 Protect Information Unavailable |
VS VS |
Golden Shield FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare Protect Information Unavailable |
VS VS |
Golden Shield Not covered under this senior-citizen-focused plan. |
Insurance Plans Comparison
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