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Insurance Plans Comparison

Star Comprehensive vs TATA AIG Medicare Plus

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

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Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

VS
TATA AIG

Medicare Plus

Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.

What Makes It Special:

Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.

Best For:

  • Add-ons for extra protection

  • Covers daycare & hospitalization care

  • Easy cashless treatment nationwide

  • High coverage for you & your family

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

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

TATA AIG Medicare Plus

  • You want a family-friendly plan that ensures peace of mind

  • You want add-ons like global cover or critical illness protection

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless treatment at top hospitals nationwide

  • You want wide coverage with a high sum insured

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Comprehensive
Comprehensive

Health Insurance Plan

Brochure

VS
Medicare Plus
Medicare Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Comprehensive

Information Unavailable

VS

Medicare Plus

No capping on room rent or ICU charges.

Advanced Treatments

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

VS

Medicare Plus

Information Unavailable

ICU Charges

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

VS

Medicare Plus

No restriction on ICU room rent

Co-payment

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

VS

Medicare Plus

Not available

Disease-wise sublimits

Comprehensive

Information Unavailable

VS

Medicare Plus

No

Waiting Period

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
VS

Medicare Plus

  1. Initial waiting period: 30 Days

     

  2. Specific Waiting Periods: 24 Months 

     

  3. Pre-Existing Diseases: 36 Months 
Cashless Healthcare Providers

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

VS

Medicare Plus

12046+ Healthcare Providers

Restoration Benefit

Comprehensive

Information Unavailable

VS

Medicare Plus

Not available

Daycare Treatment

Comprehensive

covered by the policy.

VS

Medicare Plus

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. 

Cumulative Bonus

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

VS

Medicare Plus

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

AYUSH Treatment

Comprehensive

AYUSH treatments are covered up to the sum insured.

VS

Medicare Plus

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

Consumable Cover

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

VS

Medicare Plus

Yes

Initial Waiting Period

Comprehensive

30 days (accidents excepted)

VS

Medicare Plus

30 days

Specific Waiting Period

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

VS

Medicare Plus

2 years

PED Waiting Period

Comprehensive

Information Unavailable

VS

Medicare Plus

3 years

Modern Treatment

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
VS

Medicare Plus

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

Annual Health Checkup

Comprehensive

Information Unavailable

VS

Medicare Plus

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

Pre-Hospitalisation

Comprehensive

Information Unavailable

VS

Medicare Plus

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

Post-Hospitalisation

Comprehensive

Information Unavailable

VS

Medicare Plus

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

Outpatient Department Cover (OPD Expense)

Comprehensive

Information Unavailable

VS

Medicare Plus

OPD expense is not included

Deductible Option

Comprehensive

Information Unavailable

VS

Medicare Plus

Available

Coverage Options

Comprehensive

Information Unavailable

VS

Medicare Plus

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

Claim Settlement Ratio

Comprehensive

Information Unavailable

VS

Medicare Plus

95.43%

Maternity Cover

Comprehensive

Information Unavailable

VS

Medicare Plus

Not available

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

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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