Insurance Plans Comparison
TATA AIG Medicare vs Niva Bupa Aspire Gold+
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Tata AIG Medicare
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
Aspire Gold+
Get health insurance with Booster+ benefits, unlimited ReAssure Forever protection, maternity-related M-iracle benefits and flexible optional covers for your healthcare needs.
What Makes It Special:
Niva Bupa Aspire Gold+ is a health insurance variant designed to provide hospitalisation protection alongside benefits that help preserve and extend coverage over time. It includes eligible inpatient and day-care treatment, modern treatments, AYUSH, pre- and post-hospitalisation expenses, home care, organ donor expenses and cashless annual health check-ups. ReAssure Forever...
Best For:
Customisable coverage: For people who want to consider optional benefits such as Claim Safeguard+, Cash-Bag, Borderless or Hospital Daily Cash.
Everyday healthcare support: For buyers interested in optional WellConsult OPD services, including consultations, diagnostics and pharmacy benefits.
Maternity-related planning: For those who want the M-iracle benefit and can plan around its 48-month waiting period.
Growing unused cover: For customers who want unused base sum insured carried forward through Booster+, within Gold+'s applicable limits.
Long-term health protection: For buyers seeking hospitalisation cover with ReAssure Forever after the first paid claim.
Insurance Plans Comparison
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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.
Evaluate optional benefits: Compare the extra premium and conditions for WellConsult OPD, Cash-Bag, Safeguard+, Borderless and other available options.
Plan maternity benefits early: M-iracle has a 48-month waiting period under Gold+, so review eligibility and benefit limits before purchasing.
Review waiting periods: The brochure lists a 30-day initial waiting period. Confirm the applicable pre-existing disease and specific disease waiting periods in your policy schedule.
Understand Booster+: For Gold+, unused base sum insured carries forward up to 3X for entry ages 18–35, 2X for ages 36–45 and 1X for ages 46 and above.
Select your base sum insured: Choose from ₹3 lakh to ₹1 crore based on your healthcare needs and budget.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
Aspire Gold+ Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Aspire Gold+ All room categories are covered |
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
Aspire Gold+ No restriction on ICU room rent |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Aspire Gold+ Not available |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Aspire Gold+ No |
| Waiting Period |
|---|
Medicare
|
VS VS |
Aspire Gold+ Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
Aspire Gold+ 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
Aspire Gold+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| 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 |
Aspire Gold+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Aspire Gold+ Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs) |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Aspire Gold+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
Aspire Gold+ No. However, available as an add-on |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
Aspire Gold+ 30 days |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
Aspire Gold+ 2 years |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
Aspire Gold+ 3 years |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Aspire Gold+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
Aspire Gold+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
Aspire Gold+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Aspire Gold+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Aspire Gold+ OPD expense is not included |
| Deductible Option |
|---|
Medicare Not Specified |
VS VS |
Aspire Gold+ Available as optional feature. |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Aspire Gold+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
Aspire Gold+ 92.02% |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Aspire Gold+ Available (specific terms apply). |
Insurance Plans Comparison
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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)
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