Insurance Plans Comparison
ICICI Lombard iHealth vs TATA AIG Medicare Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreiHealth
Reset up to 100% of the sum insured once in a policy year for a later unrelated illness, and cover inpatient hospitalisation, AYUSH treatment, specified day care procedures and a wellness programme.
What Makes It Special:
iHealth is a discontinued ICICI Lombard Complete Health Insurance tier, offered on an individual or floater basis. It covers in-patient hospitalisation, pre- and post-hospitalisation expenses, day-care procedures, and in-patient AYUSH treatment, with a 2-year waiting period for pre-existing diseases and a Reset Benefit for the sum insured.
Best For:
Existing policyholders reviewing their current iHealth cover before renewal, since this plan is no longer sold
Individuals who want coverage for hospitalisation and related pre- and post-hospitalisation costs
Policyholders who value a cumulative bonus that increases cover over claim-free years
Buyers who want a restoration feature to top up the sum insured after a large claim in the same year
Families who want a floater policy for parents, children, and spouse under one sum insured
VS
Medicare Plus
Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.
What Makes It Special:
Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.
Best For:
Add-ons for extra protection
Covers daycare & hospitalization care
Easy cashless treatment nationwide
High coverage for you & your family
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Quick Decision Guide
Check the sublimits for listed surgeries, such as cataract at ₹20,000 per eye, if you are considering the lower sum insured options.
Maternity cover is not part of the base iHealth tier, so choose a higher tier if you need it and can wait 3 years.
Reset Benefit is limited to once per policy year and cannot be used for the same illness already claimed, so do not count it as unlimited cover.
Note the 2-year waiting period for pre-existing diseases and the listed illnesses, and plan your cover accordingly if you have an existing condition.
Because the plan is discontinued, check whether an ICICI Lombard successor such as Health Shield or Health Shield Plus suits your needs before buying.
You want a family-friendly plan that ensures peace of mind
You want add-ons like global cover or critical illness protection
You want daycare, pre- and post-hospitalization expenses covered
You want cashless treatment at top hospitals nationwide
You want wide coverage with a high sum insured
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Detailed Features Comparison
Compare the key features of different health insurance plans
![]() iHealth Health Insurance Plan VS VS |
![]() Medicare Plus Health Insurance Plan |
| Room Rent |
|---|
iHealth Including in-patient hospitalization expenses such as room rent and ICU charges. Notably, there are no sub-limits on room rent or ICU charges. |
VS VS |
Medicare Plus No capping on room rent or ICU charges. |
| Advanced Treatments |
|---|
iHealth ICICI iHealth covers advanced medical treatments, ensuring access to modern healthcare. It includes robotic surgeries, stem cell therapy (for approved conditions), targeted cancer therapies, and other cutting-edge procedures. |
VS VS |
Medicare Plus Information Unavailable |
| ICU Charges |
|---|
iHealth Covered under the in-patient hospitalisation cover up to the sum insured, for a hospitalisation of at least 24 consecutive hours. Kindly consult the policy wording for any cap. |
VS VS |
Medicare Plus No restriction on ICU room rent |
| Co-payment |
|---|
iHealth Does not have a mandatory co-payment for most policyholders. However, for senior citizens or specific policy variants, a co-payment clause may apply, requiring the insured to bear a percentage of the claim amount. |
VS VS |
Medicare Plus Not available |
| Disease-wise sublimits |
|---|
iHealth Sublimits apply to listed surgeries in the lower sum insured tiers. For example, cataract is limited to ₹20,000 per eye. Kindly consult the policy wording for the full schedule. |
VS VS |
Medicare Plus No |
| Waiting Period |
|---|
iHealth Information Unavailable |
VS VS |
Medicare Plus
|
| Cashless Healthcare Providers |
|---|
iHealth 10,896+ hospitals across india |
VS VS |
Medicare Plus 12046+ Healthcare Providers |
| Restoration Benefit |
|---|
iHealth Reset Benefit: resets up to 100% of the sum insured once per policy year. Reset is not triggered by the first claim. The reset amount can be used only for future claims in the same policy year that are unrelated to an illness already claimed. Unused reset is not carried forward. |
VS VS |
Medicare Plus Not available |
| Daycare Treatment |
|---|
iHealth Covered under the policy. |
VS VS |
Medicare Plus Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. |
| Cumulative Bonus |
|---|
iHealth Additional Sum Insured of 10% of the annual sum insured for each claim-free year, up to a maximum of 50%. A claim reduces the accumulated amount by 10% of the annual sum insured in the following year. |
VS VS |
Medicare Plus 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 |
| AYUSH Treatment |
|---|
iHealth Covered under this policy |
VS VS |
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
| Consumable Cover |
|---|
iHealth Kindly refer to the policy wording. |
VS VS |
Medicare Plus Yes |
| Initial Waiting Period |
|---|
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
VS VS |
Medicare Plus 30 days |
| Specific Waiting Period |
|---|
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
VS VS |
Medicare Plus 2 years |
| PED Waiting Period |
|---|
iHealth 2 years for declared and accepted pre-existing diseases |
VS VS |
Medicare Plus 3 years |
| Modern Treatment |
|---|
iHealth Kindly refer to the policy wording |
VS VS |
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
VS VS |
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
iHealth Up to 30 days before hospitalisation, up to the sum insured |
VS VS |
Medicare Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
iHealth Up to 60 days after discharge, up to the sum insured |
VS VS |
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
iHealth Outpatient Treatment Cover is available as a benefit in the plan tiers that include it. Reimbursement is subject to a limit of ₹5,000 on a floater basis. Kindly consult the plan details for eligibility. |
VS VS |
Medicare Plus OPD expense is not included |
| Deductible Option |
|---|
iHealth Kindly consult the policy wording |
VS VS |
Medicare Plus Available |
| Coverage Options |
|---|
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
VS VS |
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
| Claim Settlement Ratio |
|---|
iHealth FY 24-25: ~84% |
VS VS |
Medicare Plus 95.43% |
| Maternity Cover |
|---|
iHealth Not included in the base iHealth tier. Maternity cover with a 3-year waiting period is available in higher plan tiers only when opted for. It covers delivery and caesarean section (₹15,000 normal, ₹25,000 caesarean), pre- and post-natal expenses (₹2,000 each), and newborn cover (₹10,000), limited to two deliveries during the policy period. |
VS VS |
Medicare Plus Not available |
Insurance Plans Comparison
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