Insurance Plans Comparison
TATA AIG Medicare LITE vs Niva Bupa GoActive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare LITE
Restore 100% of the sum insured once in a policy year if the balance and cumulative bonus fall short, earn a 50% bonus up to 100% after a claim-free year, and get a cashless health check-up every year.
What Makes It Special:
Affordable health insurance with comprehensive hospitalisation coverage
Best For:
Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.
Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.
Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.
Families looking for Individual or Family Floater health insurance coverage.
Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.
VS
GoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
Insurance Plans Comparison
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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
Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.
If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.
MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.
The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.
Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare LITE Health Insurance Plan VS VS |
GoActive Health Insurance Plan |
| Room Rent |
|---|
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
VS VS |
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
| Advanced Treatments |
|---|
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
VS VS |
GoActive Covered up to Sum Insured |
| ICU Charges |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
| Co-payment |
|---|
Medicare LITE 20% co-payment if entry age is 61 years or above at first coverage 30% co-payment for treatment outside the "Valued Provider – Pan India" network |
VS VS |
GoActive No mandatory age-based co-payment mentioned |
| Disease-wise sublimits |
|---|
Medicare LITE No specific disease-wise sublimit specified |
VS VS |
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
| Waiting Period |
|---|
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
VS VS |
GoActive Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
VS VS |
GoActive 4,200+ Network Hospitals |
| Restoration Benefit |
|---|
Medicare LITE 100% of Sum Insured restored once during the policy year |
VS VS |
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
| Daycare Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
GoActive Covered up to Sum Insured |
| Cumulative Bonus |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
| AYUSH Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
GoActive Covered up to Sum Insured |
| Consumable Cover |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
| Initial Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
| Specific Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
| PED Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive 36 months |
| Modern Treatment |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
| Annual Health Checkup |
|---|
Medicare LITE Information Unavailable |
VS VS |
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
| Pre-Hospitalisation |
|---|
Medicare LITE Covered up to 60 days before hospitalisation |
VS VS |
GoActive Up to 90 days before admission, within the sum insured |
| Post-Hospitalisation |
|---|
Medicare LITE Covered up to 180 days after hospitalisation |
VS VS |
GoActive Up to 180 days after discharge, within the sum insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare LITE Not covered |
VS VS |
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
| Deductible Option |
|---|
Medicare LITE Not specified |
VS VS |
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
| Coverage Options |
|---|
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
VS VS |
GoActive Information Unavailable |
| Claim Settlement Ratio |
|---|
Medicare LITE Not specified in the product prospectus |
VS VS |
GoActive Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
| Maternity Cover |
|---|
Medicare LITE Not covered |
VS VS |
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
Insurance Plans Comparison
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