Insurance Plans Comparison
TATA AIG Medicare LITE vs Niva Bupa Health Companion Variant 2022
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare LITE
Medicare LITE
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
Health Companion Variant 2022
Niva Bupa Health Companion Variant 2022
What Makes It Special:
The Niva Bupa Health Companion Variant 2022 is a comprehensive health insurance plan with options for both Individual and Family Floater policies. There is no Room Rent Limit in this plan.The Safeguard+ add-on covers all non-payable expenses and protects your No Claim Bonus if claims are up to ₹1,00,000....
Best For:
High coverage for families
Those who want extra protection through optional add-ons
Customers who value regular health check-ups and ambulance services
Hospital Room Rent Freedom
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
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.
You need coverage for home treatments.
You want free health check-ups from day one.
You want cover restored after every claim.
You prefer hassle-free cashless hospital treatment
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare LITE Health Insurance Plan VS VS |
Health Companion Variant 2022 Health Insurance Plan |
| Room Rent |
|---|
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
VS VS |
Health Companion Variant 2022 The shared room category is covered in your base policy. If you choose an upgraded room, 20% co-payment is applicable. |
| Advanced Treatments |
|---|
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
VS VS |
Health Companion Variant 2022 Information Unavailable |
| ICU Charges |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 No restriction on ICU room rent |
| 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 |
Health Companion Variant 2022 Not Available |
| Disease-wise sublimits |
|---|
Medicare LITE No specific disease-wise sublimit specified |
VS VS |
Health Companion Variant 2022 No |
| Waiting Period |
|---|
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
VS VS |
Health Companion Variant 2022 Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
VS VS |
Health Companion Variant 2022 11000+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare LITE 100% of Sum Insured restored once during the policy year |
VS VS |
Health Companion Variant 2022 Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Health Companion Variant 2022 Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 Your sum insured increases by 20% for every claim-free year, up to 100% |
| AYUSH Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Health Companion Variant 2022 Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 No. However, available as an add-on |
| Initial Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 30 days. |
| Specific Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 2 years |
| PED Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 3 years |
| Modern Treatment |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare LITE Information Unavailable |
VS VS |
Health Companion Variant 2022 Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Medicare LITE Covered up to 60 days before hospitalisation |
VS VS |
Health Companion Variant 2022 You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare LITE Covered up to 180 days after hospitalisation |
VS VS |
Health Companion Variant 2022 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 LITE Not covered |
VS VS |
Health Companion Variant 2022 OPD expense is not included |
| Deductible Option |
|---|
Medicare LITE Not specified |
VS VS |
Health Companion Variant 2022 Available |
| Coverage Options |
|---|
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
VS VS |
Health Companion Variant 2022 Available coverage options: ₹3L, ₹4 L, ₹5L, ₹7.5L, ₹10L, ₹12.5L, ₹15L, ₹20L, ₹30L, ₹50L, ₹1Cr |
| Claim Settlement Ratio |
|---|
Medicare LITE Not specified in the product prospectus |
VS VS |
Health Companion Variant 2022 92.02% |
| Maternity Cover |
|---|
Medicare LITE Not covered |
VS VS |
Health Companion Variant 2022 Not Available |
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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