Insurance Plans Comparison
TATA AIG Medicare Senior vs Star Special Care Gold
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
VS
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
Insurance Plans Comparison
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Quick Decision Guide
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Senior Health Insurance Plan VS VS |
![]() Special Care Gold Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Special Care Gold Up to 1% of Sum Insured per day |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Special Care Gold Up to 2% of Sum Insured per day |
| Co-payment |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
VS VS |
Special Care Gold 20% on all claims; waiver available for additional premium |
| Disease-wise sublimits |
|---|
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
VS VS |
Special Care Gold Specified treatment limits apply |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS VS |
Special Care Gold Cashless treatment available at network hospitals |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
VS VS |
Special Care Gold Not specified |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
VS VS |
Special Care Gold Not specified |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS VS |
Special Care Gold All daycare procedures covered |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
VS VS |
Special Care Gold Not specified |
| AYUSH Treatment |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Special Care Gold Covered up to 100% of Sum Insured |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS VS |
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
| Specific Waiting Period |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Special Care Gold 24 Months |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS VS |
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
| Annual Health Checkup |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Special Care Gold Not specified |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Special Care Gold Up to 30 Days |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
VS VS |
Special Care Gold Up to 60 Days |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
VS VS |
Special Care Gold Not a standard OPD benefit |
| Deductible Option |
|---|
Medicare Senior Not specified as a standard deductible option. |
VS VS |
Special Care Gold Not specified |
| Coverage Options |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Special Care Gold Not specified |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS VS |
Special Care Gold Not specified as a standard maternity benefit |
Insurance Plans Comparison
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Insurance Plans Comparison
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Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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