Insurance Plans Comparison
TATA AIG Medicare vs ICICI Lombard iHealth
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare
Cover specified hospital consumables and inpatient treatment abroad if you were diagnosed in India, restore the basic sum insured when that cover and the cumulative bonus are exhausted, and add a 50% bonus up to 100% after a claim-free year.
What Makes It Special:
Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...
Best For:
Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.
Individuals looking for additional protection through restoration and Cumulative Bonus benefits.
Customers who want coverage for domiciliary treatment and AYUSH treatment.
Families looking for health insurance with Family Floater coverage.
Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.
VS
iHealth
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
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Quick Decision Guide
The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.
Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.
A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.
The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.
Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
![]() iHealth Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
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. |
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
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. |
| Advanced Treatments |
|---|
Medicare Information Unavailable |
VS VS |
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. |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
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. |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
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. |
| Waiting Period |
|---|
Medicare
|
VS VS |
iHealth Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
iHealth 10,896+ hospitals across india |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
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. |
| Daycare Treatment |
|---|
Medicare 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. |
VS VS |
iHealth Covered under the policy. |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
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. |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
iHealth Covered under this policy |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
iHealth Kindly refer to the policy wording. |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
iHealth 30 days from inception. Accident-related hospitalisation is exempt. |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
iHealth 2 years for listed illnesses and procedures. Maternity has a 3-year waiting period where opted. |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
iHealth 2 years for declared and accepted pre-existing diseases |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
iHealth Kindly refer to the policy wording |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
iHealth Free health check-up at designated centres. Floater policies receive a maximum of 2 coupons per year. |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
iHealth Up to 30 days before hospitalisation, up to the sum insured |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
iHealth Up to 60 days after discharge, up to the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
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. |
| Deductible Option |
|---|
Medicare Not Specified |
VS VS |
iHealth Kindly consult the policy wording |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
iHealth Individual and floater cover. The base iHealth tier is available at ₹3, ₹4, and ₹5 lakh sum insured. |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
iHealth FY 24-25: ~84% |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
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. |
Insurance Plans Comparison
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