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Insurance Plans Comparison

TATA AIG Medicare Protect vs Star Super Surplus Gold

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

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TATA AIG

Medicare 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
Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

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

TATA AIG Medicare Protect

  • 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.

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Protect
Medicare Protect

Health Insurance Plan

Brochure

Policy Wording

VS
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medicare Protect

Normal: Shared Accommodation

VS

Super Surplus Gold

Single Private A/C Room


Advanced Treatments

Medicare Protect

Covered

VS

Super Surplus Gold

Information Unavailable

ICU Charges

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Covered as part of hospitalisation

Co-payment

Medicare Protect

10% co-payment on admissible claim amount

VS

Super Surplus Gold

Not specified as a standard co-payment

Disease-wise sublimits

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Specific limits and defined limits apply


Waiting Period

Medicare Protect

Initial Waiting Period: 30 Days (except accidents)

Pre-existing Disease Waiting Period: 48 Months

VS

Super Surplus Gold

Information Unavailable

Cashless Healthcare Providers

Medicare Protect

Cashless facility available at network hospitals

VS

Super Surplus Gold

Cashless treatment through network hospitals

Restoration Benefit

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Daycare Treatment

Medicare Protect

Covered

VS

Super Surplus Gold

All daycare procedures covered

Cumulative Bonus

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Not specified


AYUSH Treatment

Medicare Protect

Covered

VS

Super Surplus Gold

Covered up to Sum Insured

Consumable Cover

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Not specified

Initial Waiting Period

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

Modern Treatment

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


Coverage Options

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


Claim Settlement Ratio

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Not specified

Maternity Cover

Medicare Protect

Information Unavailable

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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