Insurance Plans Comparison
TATA AIG Medicare Select vs Niva Bupa Aspire Platinum+
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare 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
VS
Aspire Platinum+
Health insurance with high cumulative cover, maternity benefits and premium protection linked to entry age.
What Makes It Special:
Niva Bupa Aspire Platinum+ combines comprehensive hospitalisation coverage with Booster+ accumulation of unused Base Sum Insured, ReAssure Forever and Lock the Clock. It also includes M-iracle maternity-related benefits with a 9-month waiting period, subject to eligibility, limits and policy conditions.
Best For:
Buyers seeking broad hospitalisation and eligible day-care coverage.
People who want their premium to remain linked to their entry age until a qualifying claim is paid.
Buyers who value additional cover after an eligible claim.
Individuals and families planning for eligible maternity-related expenses.
People looking to build up unused health cover over successive policy years.
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
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Compare premiums and waiting periods against other Aspire variants before choosing.
Check the policy schedule for room category, co-payment, deductible and any optional benefits.
Understand that ReAssure Forever is triggered by the first paid eligible claim and has a per-claim limit.
Review the 9-month M-iracle waiting period and the benefit’s eligibility conditions before relying on maternity cover.
Choose this variant if Booster+ accumulation is a priority and you understand its age-based limits.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
Aspire Platinum+ Health Insurance Plan |
| Room Rent |
|---|
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 |
VS VS |
Aspire Platinum+ All room categories are covered |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Aspire Platinum+ No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Aspire Platinum+ No |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Aspire Platinum+ Available as an option |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Aspire Platinum+ 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
VS VS |
Aspire Platinum+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
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 |
VS VS |
Aspire Platinum+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Aspire Platinum+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Medicare Select No. However, available as an add-on |
VS VS |
Aspire Platinum+ No. However, available as an add-on |
| AYUSH Treatment |
|---|
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Aspire Platinum+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Aspire Platinum+ 30 days |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Aspire Platinum+ 2 years |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Aspire Platinum+ 3 years |
| Modern Treatment |
|---|
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Aspire Platinum+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Aspire Platinum+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Aspire Platinum+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Aspire Platinum+ 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 Select OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Aspire Platinum+ 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 Select Available as an option |
VS VS |
Aspire Platinum+ Available as an option |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Aspire Platinum+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Aspire Platinum+ 92.02% |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Aspire Platinum+ Available |
Insurance Plans Comparison
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What Our Experts Help You With
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
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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
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