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Insurance Plans Comparison

TATA AIG Medicare vs Niva Bupa Health Companion Variant 2022

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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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

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

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Quick Decision Guide

TATA AIG Medicare

  • 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.

Niva Bupa Health Companion Variant 2022

  • 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
Medicare

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2022
Health Companion Variant 2022

Health Insurance Plan

Brochure

Room Rent

Medicare

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

ICU Charges

Medicare

4% of Sum Insured per day

VS

Health Companion Variant 2022

No restriction on ICU room rent

Co-payment

Medicare

No Specific Mandatory Co-payment Mentioned

VS

Health Companion Variant 2022

Not Available

Disease-wise sublimits

Medicare

Applicable to Specified Treatments

VS

Health Companion Variant 2022

No

Waiting Period

Medicare

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

Health Companion Variant 2022

Information Unavailable

Cashless Healthcare Providers

Medicare

11,000+ Cashless Hospitals

VS

Health Companion Variant 2022

11000+ Healthcare Providers

Restoration Benefit

Medicare

Available Once for Road Traffic Accident

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

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

Health Companion Variant 2022

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

Health Companion Variant 2022

Your sum insured increases by 20% for every claim-free year, up to 100%

AYUSH Treatment

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

VS

Health Companion Variant 2022

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Medicare

Not Covered as a Separate Benefit

VS

Health Companion Variant 2022

No. However, available as an add-on

Initial Waiting Period

Medicare

30 Days

VS

Health Companion Variant 2022

30 days.

Specific Waiting Period

Medicare

24 Months

VS

Health Companion Variant 2022

2 years

PED Waiting Period

Medicare

36 Months

VS

Health Companion Variant 2022

3 years

Modern Treatment

Medicare

Covered up to 25% of Sum Insured

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

Available as per Policy Terms

VS

Health Companion Variant 2022

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

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

Covered for Up to 60 Days

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

Not Covered under Base Policy

VS

Health Companion Variant 2022

OPD expense is not included

Deductible Option

Medicare

Not Specified

VS

Health Companion Variant 2022

Available

Coverage Options

Medicare

₹1 Lakh to ₹10 Lakh

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

Not Specified

VS

Health Companion Variant 2022

92.02%

Maternity Cover

Medicare

Not Covered

VS

Health Companion Variant 2022

Not Available

Insurance Plans Comparison

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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

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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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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