Insurance Plans Comparison
Star Special Care Gold vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Special Care Gold
Special Care Gold
What Makes It Special:
Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.
Best For:
Customers who need defined coverage with optional co-payment waiver
Customers looking for AYUSH hospitalisation coverage
Families seeking specialised health insurance for eligible members
Eligible individuals living with HIV/AIDS
Eligible persons with disabilities
VS
Medicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
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
No pre-policy medical test is required, subject to submission requirements.
A co-payment waiver is available for additional premium.
AYUSH inpatient treatment is covered up to 100% of Sum Insured.
Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.
The product is specifically structured for disability and HIV/AIDS-related eligibility.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Special Care Gold Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Special Care Gold Up to 1% of Sum Insured per day |
VS VS |
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
| ICU Charges |
|---|
Special Care Gold Up to 2% of Sum Insured per day |
VS VS |
Medicare Select No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Special Care Gold Specified treatment limits apply |
VS VS |
Medicare Select No |
| Co-payment |
|---|
Special Care Gold 20% on all claims; waiver available for additional premium |
VS VS |
Medicare Select Not available |
| Restoration Benefit |
|---|
Special Care Gold Not specified |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Special Care Gold Cashless treatment available at network hospitals |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Special Care Gold Not specified |
VS VS |
Medicare Select 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 |
| Daycare Treatment |
|---|
Special Care Gold All daycare procedures covered |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Special Care Gold Not specified |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Special Care Gold Covered up to 100% of Sum Insured |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Special Care Gold 24 Months |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
VS VS |
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Special Care Gold Not specified |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Special Care Gold Up to 30 Days |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Special Care Gold Up to 60 Days |
VS VS |
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Gold Not a standard OPD benefit |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Special Care Gold Not specified |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Special Care Gold Not specified |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Special Care Gold Not specified as a standard maternity benefit |
VS VS |
Medicare Select 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
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
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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