Insurance Plans Comparison
TATA AIG Medicare Senior vs ICICI Lombard Health Elite
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Senior
Cover hospitalisation from age 61 for you and your spouse, with 30 days before admission and 60 days after discharge, 140 listed day-care procedures, and ambulance charges up to ₹2,000 a stay.
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance 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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
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 Senior Health Insurance Plan VS VS |
![]() Health Elite Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Health Elite Information Unavailable |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Health Elite Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions. |
| Advanced Treatments |
|---|
Medicare Senior Information Unavailable |
VS VS |
Health Elite
|
| Co-payment |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
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 Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
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. |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
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 Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
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. |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
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. |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
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. |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
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 Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
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. |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
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 Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Health Elite The exact waiting period for specified diseases and procedures is not verified for this variant. |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
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 Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
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 Senior Covered for 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 Senior Covered for up to 90 days after discharge. |
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 Senior Not covered as a general base OPD benefit. |
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 Senior Not specified as a standard deductible option. |
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 Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Health Elite Information Unavailable |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Health Elite FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
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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