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Insurance Plans Comparison

TATA AIG Medicare vs Niva Bupa Aspire Gold+

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TATA AIG

Medicare

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
Niva Bupa

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
Medicare

Health Insurance Plan

VS
Aspire Gold+
Aspire Gold+

Health Insurance Plan

Room Rent

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
VS

Aspire Gold+

All room categories are covered

ICU Charges

Medicare

4% of Sum Insured per day

VS

Aspire Gold+

No restriction on ICU room rent

Co-payment

Medicare

No Specific Mandatory Co-payment Mentioned

VS

Aspire Gold+

Not available

Disease-wise sublimits

Medicare

Applicable to Specified Treatments

VS

Aspire Gold+

No

Waiting Period

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
VS

Aspire Gold+

Information Unavailable

Cashless Healthcare Providers

Medicare

11,000+ Cashless Hospitals

VS

Aspire Gold+

10,000+ Healthcare Providers

Restoration Benefit

Medicare

Available Once for Road Traffic Accident

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

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

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

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

Aspire Gold+

No. However, available as an add-on

Initial Waiting Period

Medicare

30 Days

VS

Aspire Gold+

30 days

Specific Waiting Period

Medicare

24 Months

VS

Aspire Gold+

2 years
 

PED Waiting Period

Medicare

36 Months

VS

Aspire Gold+

3 years
 

Modern Treatment

Medicare

Covered up to 25% of Sum Insured

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

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

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

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

Aspire Gold+

OPD expense is not included

Deductible Option

Medicare

Not Specified

VS

Aspire Gold+

Available as optional feature.

Coverage Options

Medicare

₹1 Lakh to ₹10 Lakh

VS

Aspire Gold+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Claim Settlement Ratio

Medicare

Not Specified

VS

Aspire Gold+

92.02%

Maternity Cover

Medicare

Not Covered

VS

Aspire Gold+

Available (specific terms apply).

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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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

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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

Frequently Asked Questions (FAQs)

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