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Insurance Plans Comparison

Star Assure vs TATA AIG Medicare

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

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Star

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

VS
TATA AIG

Medicare

Tata AIG Medicare

What Makes It Special:

Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...

Best For:

  • Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.

  • Individuals looking for additional protection through restoration and Cumulative Bonus benefits.

  • Customers who want coverage for domiciliary treatment and AYUSH treatment.

  • Families looking for health insurance with Family Floater coverage.

  • Individuals looking for comprehensive hospitalisation and Day Care Treatment 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

  • 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

  • The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.

  • Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.

  • A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.

  • The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.

  • Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Assure
Assure

Health Insurance Plan

Brochure

VS
Medicare
Medicare

Health Insurance Plan

Room Rent

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.

VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Assure

No restriction on ICU room rent

VS

Medicare

4% of Sum Insured per day

Disease-wise sublimits

Assure

No

VS

Medicare

Applicable to Specified Treatments

Co-payment

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.

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Waiting Period

Assure

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Restoration Benefit

Assure

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

VS

Medicare

Available Once for Road Traffic Accident

Cashless Healthcare Providers

Assure

14000+ Healthcare Providers

VS

Medicare

11,000+ Cashless Hospitals

Cumulative Bonus

Assure

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.


VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Assure

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

VS

Medicare

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.

AYUSH Treatment

Assure

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

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Consumable Cover

Assure

Yes

VS

Medicare

Not Covered as a Separate Benefit

Initial Waiting Period

Assure

30 days.

VS

Medicare

30 Days

Specific Waiting Period

Assure

2 years

VS

Medicare

24 Months

PED Waiting Period

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.

VS

Medicare

36 Months

Modern Treatment

Assure

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

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Assure

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

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Assure

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

VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Assure

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

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

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.

VS

Medicare

Not Covered under Base Policy

Deductible Option

Assure

Available as an option

VS

Medicare

Not Specified

Coverage Options

Assure

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Assure

82.31%

VS

Medicare

Not Specified

Maternity Cover

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.

VS

Medicare

Not Covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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

24/7 Claim Assistance

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

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)

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