Insurance Plans Comparison
TATA AIG Medicare Select vs Niva Bupa Aspire Titanium+
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 Titanium+
Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.
What Makes It Special:
Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.
Best For:
Buyers who want optional OPD, consumables or international treatment benefits where available.
People planning ahead for eligible maternity-related expenses.
Families looking for comprehensive hospitalisation coverage.
Individuals who want premiums linked to their entry age until a claim is paid.
People seeking high carry-forward coverage over multiple 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.
Review room eligibility, co-payment, deductible and optional add-ons before buying.
Compare the PED and specific-disease waiting periods applicable to your selected schedule.
Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.
Review the Lock the Clock+ conditions to understand when premiums may change.
Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
Aspire Titanium+ 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 Titanium+ All room categories are covered |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Aspire Titanium+ No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Aspire Titanium+ No |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Aspire Titanium+ Available as an option |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Aspire Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Aspire Titanium+ 30 days |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Aspire Titanium+ 2 years |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Aspire Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ 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 Titanium+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Aspire Titanium+ 92.02% |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Aspire Titanium+ Available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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Why Choose Our Expert Consultation?
What Our Experts Help You With
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Insurance Plans Comparison
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