Insurance Plans Comparison
TATA AIG Medicare LITE vs ICICI Lombard Health Elite
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare LITE
Restore 100% of the sum insured once in a policy year if the balance and cumulative bonus fall short, earn a 50% bonus up to 100% after a claim-free year, and get a cashless health check-up every year.
What Makes It Special:
Affordable health insurance with comprehensive hospitalisation coverage
Best For:
Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.
Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.
Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.
Families looking for Individual or Family Floater health insurance coverage.
Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.
VS
Health Elite
Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.
What Makes It Special:
ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.
Best For:
Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.
Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.
Individuals who want to compare available outpatient treatment benefits and their applicable limits.
Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.
Individuals seeking health insurance for eligible hospitalisation and daycare expenses.
Insurance Plans Comparison
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Quick Decision Guide
Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.
If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.
MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.
The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.
Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.
Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.
Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.
Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.
Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.
Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare LITE Health Insurance Plan VS VS |
![]() Health Elite Health Insurance Plan |
| Room Rent |
|---|
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
VS VS |
Health Elite Information Unavailable |
| Advanced Treatments |
|---|
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
VS VS |
Health Elite
|
| ICU Charges |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions. |
| Co-payment |
|---|
Medicare LITE 20% co-payment if entry age is 61 years or above at first coverage 30% co-payment for treatment outside the "Valued Provider – Pan India" network |
VS VS |
Health Elite Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs. |
| Disease-wise sublimits |
|---|
Medicare LITE No specific disease-wise sublimit specified |
VS VS |
Health Elite Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified. |
| Waiting Period |
|---|
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
VS VS |
Health Elite Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
VS VS |
Health Elite Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care. |
| Restoration Benefit |
|---|
Medicare LITE 100% of Sum Insured restored once during the policy year |
VS VS |
Health Elite Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording. |
| Daycare Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Health Elite Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays. |
| Cumulative Bonus |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant. |
| AYUSH Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Health Elite Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options. |
| Consumable Cover |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant. |
| Initial Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms. |
| Specific Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| PED Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| Modern Treatment |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits. |
| Annual Health Checkup |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Elite Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant. |
| Pre-Hospitalisation |
|---|
Medicare LITE Covered up to 60 days before hospitalisation |
VS VS |
Health Elite Up to 30 days according to the published Health Elite product comparison, subject to policy terms. |
| Post-Hospitalisation |
|---|
Medicare LITE Covered up to 180 days after hospitalisation |
VS VS |
Health Elite Up to 60 days according to the published Health Elite product comparison, subject to policy terms. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare LITE Not covered |
VS VS |
Health Elite Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration. |
| Deductible Option |
|---|
Medicare LITE Not specified |
VS VS |
Health Elite A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified. |
| Coverage Options |
|---|
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
VS VS |
Health Elite Information Unavailable |
| Claim Settlement Ratio |
|---|
Medicare LITE Not specified in the product prospectus |
VS VS |
Health Elite FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare LITE Not covered |
VS VS |
Health Elite Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version. |
Insurance Plans Comparison
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