Insurance Plans Comparison
TATA AIG Medicare Plus vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare 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
VS
Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
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
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Plus Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Medicare Plus No capping on room rent or ICU charges. |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| ICU Charges |
|---|
Medicare Plus No restriction on ICU room rent |
VS VS |
Assure No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Medicare Plus No |
VS VS |
Assure No |
| Co-payment |
|---|
Medicare Plus Not available |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Waiting Period |
|---|
Medicare Plus
|
VS VS |
Assure Information Unavailable |
| Restoration Benefit |
|---|
Medicare Plus Not available |
VS VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Medicare Plus 12046+ Healthcare Providers |
VS VS |
Assure 14000+ Healthcare Providers |
| Cumulative Bonus |
|---|
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 |
VS VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| Daycare Treatment |
|---|
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. |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| AYUSH Treatment |
|---|
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare Plus Yes |
VS VS |
Assure Yes |
| Initial Waiting Period |
|---|
Medicare Plus 30 days |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Medicare Plus 2 years |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
Medicare Plus 3 years |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Medicare Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Plus OPD expense is not included |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Medicare Plus Available |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Medicare Plus 95.43% |
VS VS |
Assure 82.31% |
| Maternity Cover |
|---|
Medicare Plus Not available |
VS VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
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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