Insurance Plans Comparison
TATA AIG Medicare Premier vs Care Advantage
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Premier
Comprehensive health insurance with enhanced coverage, wellness benefits and global protection.
What Makes It Special:
Tata AIG Medicare Premier is a comprehensive health insurance plan designed to offer wide-ranging protection for individuals and families. It features high sum insured options, global cover for inpatient treatments, maternity benefits, and coverage for organ donor expenses. The plan also includes a restoration benefit, annual health check-ups, and no-claim...
Best For:
Comprehensive Health Coverage
Global Inpatient Treatment
High Sum Insured Options
Family Floater Available
VS
Advantage
Get a sum insured of up to ₹1 crore with no room rent or ICU sub-limit, an automatic recharge once in a policy year, and a 10% no claim bonus that can grow to 50% of the sum insured.
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
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
Worldwide inpatient treatment coverage
Sum insured up to ₹3 crores
Access to 12,000+ healthcare providers
Maternity cover after 4 years
100% sum insured restoration
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Premier Health Insurance Plan VS VS |
Advantage Health Insurance Plan |
| Room Rent |
|---|
Medicare Premier All room categories are covered |
VS VS |
Advantage All room categories are covered |
| ICU Charges |
|---|
Medicare Premier No restriction on ICU room rent |
VS VS |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Medicare Premier Not available |
VS VS |
Advantage Available as an option |
| Disease-wise sublimits |
|---|
Medicare Premier No |
VS VS |
Advantage No |
| Restoration Benefit |
|---|
Medicare Premier Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses |
VS VS |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Medicare Premier 12,000+ Healthcare Providers |
VS VS |
Advantage 21700+ Healthcare Providers |
| Daycare Treatment |
|---|
Medicare Premier Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Medicare Premier 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 |
VS VS |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| AYUSH Treatment |
|---|
Medicare Premier Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare Premier Yes |
VS VS |
Advantage No. However, available as an add-on |
| Initial Waiting Period |
|---|
Medicare Premier 30 days |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
Medicare Premier 2 years |
VS VS |
Advantage 2 years |
| PED Waiting Period |
|---|
Medicare Premier 3 years |
VS VS |
Advantage 3 years |
| Modern Treatment |
|---|
Medicare Premier Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Premier Health check-up is available from the first policy year |
VS VS |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
Medicare Premier You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Premier You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Premier OPD expense is included |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Medicare Premier Available as an option |
VS VS |
Advantage Available as an option |
| Coverage Options |
|---|
Medicare Premier Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Medicare Premier 95.43% |
VS VS |
Advantage 96% |
| Maternity Cover |
|---|
Medicare Premier Available |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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Why Choose Our Expert Consultation?
What Our Experts Help You With
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Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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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