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Insurance Plans Comparison

TATA AIG Medicare Select vs Star Medi Classic

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

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TATA AIG

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

VS
Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance 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

  • Covers daycare treatments without overnight stay.

  • Pre- and post-hospitalization expenses included.

  • Safeguards against critical illness and emergencies.

  • Comprehensive coverage for hospitalization and treatment.

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Select
Medicare Select

Health Insurance Plan

VS
Medi Classic
Medi Classic

Health Insurance Plan

Room Rent

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

VS

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



ICU Charges

Medicare Select

No restriction on ICU room rent

VS

Medi Classic

Covered as per the applicable policy terms and limits.

Disease-wise sublimits

Medicare Select

No

VS

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



Co-payment

Medicare Select

Not available

VS

Medi Classic

Not specified in the retrieved source.



Cashless Healthcare Providers

Medicare Select

12,000+ Healthcare Providers

VS

Medi Classic

Not specified in the retrieved source.



Restoration Benefit

Medicare Select

es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

VS

Medi Classic

Not specified in the retrieved source.

Cumulative Bonus

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

VS

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



Daycare Treatment

Medicare Select

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

VS

Medi Classic

Not specified in the retrieved source.



Consumable Cover

Medicare Select

No. However, available as an add-on

VS

Medi Classic

Not specified in the retrieved source.



AYUSH Treatment

Medicare Select

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

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Medicare Select

30 days

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Medicare Select

2 years

VS

Medi Classic

Not specified in the retrieved source.



PED Waiting Period

Medicare Select

3 years

VS

Medi Classic





Modern Treatment

Medicare Select

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

VS

Medi Classic

Covered, subject to applicable limits and policy terms.



Annual Health Checkup

Medicare Select

Health checkup is not included as part of base cover. However, available as an add-on

VS

Medi Classic

Preventive health check-up is covered as per policy terms.



Pre-Hospitalisation

Medicare Select

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Medi Classic

Covered for 30 days.



Post-Hospitalisation

Medicare Select

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



Outpatient Department Cover (OPD Expense)

Medicare Select

OPD expense is not included as part of base cover. However, available as an add-on

VS

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



Deductible Option

Medicare Select

Available as an option

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Medicare Select

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

VS

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



Claim Settlement Ratio

Medicare Select

95.43%

VS

Medi Classic

Not specified in the retrieved source.



Maternity Cover

Medicare Select

Available

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

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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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