Niva Bupa Senior First Gold Plan vs TATA AIG Medicare Plus

The shared Room is covered.

No capping on room rent or ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Yes, 50%

Not available

No

No

1. Initial waiting period: 30 Days

    

2. Specific Waiting Periods: 24 Months 

    

3. Pre-Existing Diseases: 36 Months 

10000+ Healthcare Providers

12046+ Healthcare Providers

Not Available.

Not available

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

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. 

Not Available

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

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

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

Not Available

Yes

30 days.

30 days

2 years

2 years

2 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Not Available

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is not included

OPD expense is not included

Available

Available

Available coverage options: ₹5L, ₹10L

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

90.10%

86.50%

Not Available

Not available