Insurance Plans Comparison
TATA AIG Medicare Protect vs Star Health Gain
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Protect
Medicare Protect
What Makes It Special:
TATA AIG MediCare Protect is a comprehensive health insurance plan designed to cover eligible medical expenses arising from illness, disease and accidental injury. The plan provides In-Patient Treatment, Day Care Procedures, pre and post-hospitalisation coverage, AYUSH treatment, domiciliary treatment and organ donor expenses, along with benefits such as restoration, health...
Best For:
Customers looking for additional protection through benefits such as Consumables Benefit and the optional Accidental Death Benefit.
Individuals who want coverage for AYUSH treatment, domiciliary treatment and eligible organ donor expenses.
Customers looking for additional support through restoration, preventive health check-ups and compassionate travel benefits.
Families looking for health insurance with Family Floater coverage and shared Sum Insured benefits.
Individuals looking for comprehensive coverage for hospitalisation and Day Care Procedures.
VS
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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
If you want additional protection against specified medical consumables or accidental death, the applicable benefits can be available subject to the policy schedule and conditions.
The plan provides a preventive health check-up benefit after every three continuous claim-free policy years, subject to the applicable limit and conditions.
Consider the plan if access to AYUSH treatment, domiciliary treatment and eligible organ donor expenses is important to you.
The plan may be suitable if you want automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to the applicable conditions.
Consider MediCare Protect if you want coverage for hospitalisation along with pre-hospitalisation, post-hospitalisation and listed Day Care Procedures.
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Protect Health Insurance Plan VS VS |
![]() Health Gain Health Insurance Plan |
| Room Rent |
|---|
Medicare Protect Normal: Shared Accommodation |
VS VS |
Health Gain
|
| Advanced Treatments |
|---|
Medicare Protect Covered |
VS VS |
Health Gain Information Unavailable |
| ICU Charges |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Medicare Protect 10% co-payment on admissible claim amount |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Waiting Period |
|---|
Medicare Protect Initial Waiting Period: 30 Days (except accidents) Pre-existing Disease Waiting Period: 48 Months |
VS VS |
Health Gain Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare Protect Cashless facility available at network hospitals |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Medicare Protect Covered |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Cumulative Bonus |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Medicare Protect Covered |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Consumable Cover |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Not specified. |
| Initial Waiting Period |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Medicare Protect Information Unavailable |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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