Insurance Plans Comparison
ManipalCigna ProHealth Accumulate vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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ProHealth Accumulate
ProHealth Accumulate
What Makes It Special:
ProHealth is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
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
Not available
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
ProHealth Accumulate Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
ProHealth Accumulate Normal: Single Private AC Room ICU: Up to Sum Insured |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| Advanced Treatments |
|---|
ProHealth Accumulate Sum Insured below ₹5 Lakh: Covered up to 50% of Sum Insured Sum Insured ₹5 Lakh and above: Covered up to Sum Insured |
VS VS |
Medicare Select Information Unavailable |
| ICU Charges |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
ProHealth Accumulate Not mentioned |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select No |
| Waiting Period |
|---|
ProHealth Accumulate Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: Sum Insured up to ₹5 Lakh: 36 Months Sum Insured ₹7.5 Lakh and above: 24 Months Specific Disease/Procedure Waiting Period: 24 Months Bariatric Surgery Waiting Period: 36 Months Maternity & Infertility Waiting Period: 36 Months |
VS VS |
Medicare Select Information Unavailable |
| Cashless Healthcare Providers |
|---|
ProHealth Accumulate Not mentioned |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
ProHealth Accumulate Covered up to Sum Insured |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select 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 |
|---|
ProHealth Accumulate Covered up to Sum Insured |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
ProHealth Accumulate Information Unavailable |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
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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
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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
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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