Insurance Plans Comparison
TATA AIG Medicare vs Niva Bupa Reassure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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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
Reassure
Niva Bupa ReAssure Plan No room rent cap, cover that refills from your first paid claim, and Loyalty Additions that can double your Base Sum Insured.
What Makes It Special:
Niva Bupa's ReAssure health insurance plan offers unlimited in-year reinstatement from the first paid claim, Loyalty Additions up to 100% of Base Sum Insured and no room rent capping.
Best For:
Customers who value preventive health benefits: Annual health check-ups are available from day one, alongside the Live Healthy renewal discount programme.
Long-term policyholders: Loyalty Additions can increase Base Sum Insured by up to 100%.
People who prefer room flexibility: The plan has no room rent capping, subject to the policy terms.
Buyers seeking flexible cover amounts: Sum Insured options range from ₹3 lakh to ₹1 crore.
Families looking for recurring cover: The ReAssure benefit reinstates cover from the first paid claim and can be used for subsequent claims throughout the policy year.
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Quick Decision Guide
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.
Road ambulance expenses are limited to ₹2,000 per hospitalisation.
Maternity expenses and OPD treatment are excluded.
Most robotic surgeries have a ₹1 lakh limit unless Modern Treatment+ is selected.
Listed conditions and procedures have a 24-month specific waiting period.
The pre-existing disease waiting period is 36 months.
Annual health check-ups are available from day one, with a potential renewal discount through Live Healthy.
Sum Insured options range from ₹3 lakh to ₹1 crore.
Loyalty Additions add 50% of Base SI each year, up to 100%.
Unlimited in-year reinstatement starts from the first paid claim.
No room rent capping, with ICU expenses covered up to Sum Insured.
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Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
Reassure Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Reassure No room rent capping. Eligible inpatient room categories are covered subject to policy terms. |
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
Reassure Covered up to Sum Insured under inpatient care, with no separate ICU cap. |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Reassure No co-payment under the base plan. The optional Tiered Network add-on offers a 15% premium discount and applies a 20% co-payment when treatment is taken at a non-tiered network hospital. |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Reassure No general disease-wise sublimits. Most robotic surgeries have a ₹1 lakh limit, with listed exceptions. Road ambulance is limited to ₹2,000 per hospitalisation, and air ambulance reimbursement is capped at ₹2.5 lakh. |
| Waiting Period |
|---|
Medicare
|
VS VS |
Reassure Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
Reassure Cashless treatment is available at Niva Bupa network providers, subject to network participation and pre-authorisation. Niva Bupa has reported a company-wide network of 10,000+ hospitals. |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
Reassure The ReAssure benefit provides unlimited reinstatement within the policy year, triggered from the first paid claim. It is available for subsequent claims for any illness and any insured member. Each claim under the benefit is limited to Base Sum Insured |
| 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 VS |
Reassure Eligible day-care treatment is covered up to Sum Insured. The policy wording specifies admission exceeding 2 hours and includes procedures such as angiography, dialysis, radiotherapy and chemotherapy for cancer. |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Reassure Loyalty Additions add 50% of the previous year's Base Sum Insured at each policy anniversary, up to 100% of Base SI |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Reassure Eligible inpatient treatment under Ayurveda, Unani, Siddha and Homeopathy at an AYUSH hospital is covered up to Sum Insured. Yoga is not covered. |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
Reassure Not covered in the base plan. Optional Safeguard covers List I non-payable items, while Safeguard+ covers Lists I to IV. |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
Reassure 30 days for illnesses. Accidents are covered from day one. |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
Reassure 24 months for listed conditions and procedures, subject to policy terms. This waiting period does not apply to accidents. Cancer is covered after the applicable 30-day initial waiting period. |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
Reassure 36 months of continuous coverage for declared pre-existing diseases, subject to policy terms. |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Reassure Covered up to Sum Insured. Most robotic surgeries have a ₹1 lakh limit, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries. The optional Modern Treatment+ add-on removes the ₹1 lakh limit. |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
Reassure Available from day one, once per policy year. Benefit value is ₹500 per ₹1 lakh of Sum Insured, up to ₹5,000 per insured individual or ₹10,000 per Family Floater policy. Cashless only. |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
Reassure Covered for up to 60 days, up to Sum Insured, on a reimbursement basis. |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Reassure Covered for up to 180 days, up to Sum Insured, on a reimbursement basis. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Reassure OPD treatment is not covered under the base plan. |
| Deductible Option |
|---|
Medicare Not Specified |
VS VS |
Reassure No deductible option is listed in the base product benefit table. |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Reassure Base Sum Insured options are ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹12.5 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, ₹75 lakh and ₹1 crore. Available on Individual or Family Floater basis, covering up to 2 adults and 4 children. |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
Reassure 96.8% of claims settled by number in FY 2025-26 for the ReAssure product line, which includes ReAssure, ReAssure 2.0 and ReAssure 3.0 UINs in the insurer's disclosure. Company-level figure reported in the annual report: 94.4%. |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Reassure Maternity expenses are excluded under the base plan. |
Insurance Plans Comparison
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