Insurance Plans Comparison
TATA AIG Medicare LITE vs ICICI Lombard Elevate (Direct)
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare LITE
Medicare LITE
What Makes It Special:
Affordable health insurance with comprehensive hospitalisation coverage
Best For:
Customers who want additional benefits such as Restore Benefit, health check-ups, teleconsultation and lifelong renewal.
Individuals looking for coverage that includes In-Patient Treatment, Day Care Treatment, AYUSH treatment and pre and post-hospitalisation expenses.
Customers who want Sum Insured options ranging from ₹5 lakh to ₹20 lakh.
Families looking for Individual or Family Floater health insurance coverage.
Individuals looking for a budget-friendly health insurance plan with comprehensive hospitalisation coverage.
VS
Elevate (Direct)
Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.
What Makes It Special:
ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...
Best For:
Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.
Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.
Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.
Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.
Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.
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
Before choosing the plan, consider its waiting periods, age-linked and network-related co-payment conditions, room category and other policy terms that may affect your claim.
If you want additional protection after your available Sum Insured and accrued Cumulative Bonus are exhausted, the Restore Benefit automatically reinstates 100% of the Sum Insured once during the policy year, subject to applicable conditions.
MediCare LITE may be considered if you want both Individual and Family Floater policy options, with coverage available for eligible family members.
The plan offers Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh, allowing you to select the coverage amount applicable to your requirements.
Consider MediCare LITE if you want a health insurance plan with In-Patient Treatment, Day Care Treatment and related medical expenses covered under one policy.
Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.
Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.
Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.
Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.
Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare LITE Health Insurance Plan VS VS |
![]() Elevate (Direct) Health Insurance Plan |
| Room Rent |
|---|
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
VS VS |
Elevate (Direct) Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts. |
| Advanced Treatments |
|---|
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
VS VS |
Elevate (Direct) Information Unavailable |
| ICU Charges |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) Covered as per applicable policy terms and eligible room category. |
| Co-payment |
|---|
Medicare LITE 20% co-payment if entry age is 61 years or above at first coverage 30% co-payment for treatment outside the "Valued Provider – Pan India" network |
VS VS |
Elevate (Direct) Voluntary co-payment available as optional cover. |
| Disease-wise sublimits |
|---|
Medicare LITE No specific disease-wise sublimit specified |
VS VS |
Elevate (Direct) Not Available. |
| Waiting Period |
|---|
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
VS VS |
Elevate (Direct) Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
VS VS |
Elevate (Direct) Network hospitals plus Cashless Everywhere option for any hospital in India. |
| Restoration Benefit |
|---|
Medicare LITE 100% of Sum Insured restored once during the policy year |
VS VS |
Elevate (Direct) Reset Benefit restores SI for future claims; unlimited resets per year. |
| Daycare Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Elevate (Direct) Eligible day-care procedures covered under base plan. |
| Cumulative Bonus |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum. |
| AYUSH Treatment |
|---|
Medicare LITE Covered up to Sum Insured |
VS VS |
Elevate (Direct) In-patient AYUSH hospitalisation covered up to applicable SI |
| Consumable Cover |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) Covered under Claim Protector add-on for specified items (gloves, syringes, masks) |
| Initial Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) 30 days from policy start for specified illnesses. |
| Specific Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) 24 months for specified diseases. |
| PED Waiting Period |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) Covers modern treatments as specified per policy with applicable per-treatment conditions. |
| Annual Health Checkup |
|---|
Medicare LITE Information Unavailable |
VS VS |
Elevate (Direct) Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000). |
| Pre-Hospitalisation |
|---|
Medicare LITE Covered up to 60 days before hospitalisation |
VS VS |
Elevate (Direct) Up to 90 days before hospitalisation for eligible expenses. |
| Post-Hospitalisation |
|---|
Medicare LITE Covered up to 180 days after hospitalisation |
VS VS |
Elevate (Direct) Up to 180 days after hospitalisation for eligible expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare LITE Not covered |
VS VS |
Elevate (Direct) Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics. |
| Deductible Option |
|---|
Medicare LITE Not specified |
VS VS |
Elevate (Direct) Voluntary deductible available as optional cover. |
| Coverage Options |
|---|
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
VS VS |
Elevate (Direct) Flexible SI options including unlimited sum insured option. |
| Claim Settlement Ratio |
|---|
Medicare LITE Not specified in the product prospectus |
VS VS |
Elevate (Direct) Not publicly specified on official product page. |
| Maternity Cover |
|---|
Medicare LITE Not covered |
VS VS |
Elevate (Direct) Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP. |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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Explore Insurance Category
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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
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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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