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Insurance Plans Comparison

TATA AIG Medicare LITE vs ICICI Lombard Max Protect Premium

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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TATA AIG

Medicare 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
ICICI Lombard

Max Protect Premium

A ₹1 crore family cover with international treatment and any-room access

What Makes It Special:

Max Protect Premium is the higher MaxProtect variant with a ₹1 crore sum insured. It adds international treatment cover, air ambulance access, and a claim protector feature, and allows any room category except suite.

Best For:

  • Buyers who do not need maternity cover or outpatient consultations

  • Frequent travellers who want air ambulance access

  • Buyers who want access to any room category except suite

  • Families who want a ₹1 crore sum insured with restoration

  • Buyers who need international treatment cover

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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.

  • Kindly consult the insurer on co-payment and sublimits before buying.

  • Maternity and outpatient consultations are not covered.

  • Confirm the international cover limits, since the policy wording is not yet verified.

  • The PED waiting period is 3 years, so consider the add-on that reduces it to 2 years.

  • Premium costs more than Classic, so compare the added international benefits against your needs.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare LITE
Medicare LITE

Health Insurance Plan

VS
Max Protect Premium
Max Protect Premium

Health Insurance Plan

Room Rent

Medicare LITE

Normal: Single Private Room

ICU: Up to Sum Insured

VS

Max Protect Premium

Any room except suite. Suite room charges are shared with the insurer.

Advanced Treatments

Medicare LITE

Bariatric Surgery Cover

Modern Treatments (subject to policy terms and limits)

In-Patient Dental Treatment

Hearing Aid Benefit

VS

Max Protect Premium

Information Unavailable

ICU Charges

Medicare LITE

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording

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

Max Protect Premium

Kindly refer to policy wording.

Disease-wise sublimits

Medicare LITE

No specific disease-wise sublimit specified

VS

Max Protect Premium

Kindly refer to the policy wording.

Waiting Period

Medicare LITE

Initial Waiting Period: 30 days

Pre-existing Disease Waiting Period: 36 months

VS

Max Protect Premium

Information Unavailable

Cashless Healthcare Providers

Medicare LITE

Cashless treatment available through Valued Provider – Pan India network

VS

Max Protect Premium

14,000+ cashless network hospitals

Restoration Benefit

Medicare LITE

100% of Sum Insured restored once during the policy year

VS

Max Protect Premium

Restores up to 100% of the sum insured, multiple times in a policy year. Kindly consult the conditions.

Daycare Treatment

Medicare LITE

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to the policy wording.

Cumulative Bonus

Medicare LITE

Information Unavailable

VS

Max Protect Premium

Kindly review the policy wording.

AYUSH Treatment

Medicare LITE

Covered up to Sum Insured

VS

Max Protect Premium

Kindly refer to policy wording.

Consumable Cover

Medicare LITE

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

Initial Waiting Period

Medicare LITE

Information Unavailable

VS

Max Protect Premium

30 DAYS

Specific Waiting Period

Medicare LITE

Information Unavailable

VS

Max Protect Premium

Kindly refer to policy wording.

PED Waiting Period

Medicare LITE

Information Unavailable

VS

Max Protect Premium

3 years, reducible to 2 years with the add-on

Modern Treatment

Medicare LITE

Information Unavailable

VS

Max Protect Premium

Covered. Kindly consult for limits.

Annual Health Checkup

Medicare LITE

Information Unavailable

VS

Max Protect Premium

Not offered

Pre-Hospitalisation

Medicare LITE

Covered up to 60 days before hospitalisation

VS

Max Protect Premium

60 days before hospitalisation. Kindly confirm.

Post-Hospitalisation

Medicare LITE

Covered up to 180 days after hospitalisation

VS

Max Protect Premium

180 days after discharge. Kindly confirm.

Outpatient Department Cover (OPD Expense)

Medicare LITE

Not covered

VS

Max Protect Premium

Not covered. Doctor consultations are not covered.

Deductible Option

Medicare LITE

Not specified

VS

Max Protect Premium

Kindly refer to policy wording.

Coverage Options

Medicare LITE

₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs

VS

Max Protect Premium

₹1 crore base cover. Room rent modifier and PED reduction add-ons available.

Claim Settlement Ratio

Medicare LITE

Not specified in the product prospectus

VS

Max Protect Premium

FY 24-25: ~84%

Maternity Cover

Medicare LITE

Not covered

VS

Max Protect Premium

Not offered

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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