Insurance Plans Comparison
TATA AIG Medicare Premier vs TATA AIG Medicare LITE
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Premier
Comprehensive health insurance with enhanced coverage, wellness benefits and global protection.
What Makes It Special:
Tata AIG Medicare Premier is a comprehensive health insurance plan designed to offer wide-ranging protection for individuals and families. It features high sum insured options, global cover for inpatient treatments, maternity benefits, and coverage for organ donor expenses. The plan also includes a restoration benefit, annual health check-ups, and no-claim...
Best For:
Comprehensive Health Coverage
Global Inpatient Treatment
High Sum Insured Options
Family Floater Available
VS
Medicare 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.
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
Worldwide inpatient treatment coverage
Sum insured up to ₹3 crores
Access to 12,000+ healthcare providers
Maternity cover after 4 years
100% sum insured restoration
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Premier Health Insurance Plan VS VS |
![]() Medicare LITE Health Insurance Plan |
| Room Rent |
|---|
Medicare Premier All room categories are covered |
VS VS |
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
| ICU Charges |
|---|
Medicare Premier No restriction on ICU room rent |
VS VS |
Medicare LITE Information Unavailable |
| Advanced Treatments |
|---|
Medicare Premier Information Unavailable |
VS VS |
Medicare LITE Bariatric Surgery Cover Modern Treatments (subject to policy terms and limits) In-Patient Dental Treatment Hearing Aid Benefit |
| Co-payment |
|---|
Medicare Premier Not available |
VS VS |
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 |
| Disease-wise sublimits |
|---|
Medicare Premier No |
VS VS |
Medicare LITE No specific disease-wise sublimit specified |
| Waiting Period |
|---|
Medicare Premier Information Unavailable |
VS VS |
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
| Restoration Benefit |
|---|
Medicare Premier Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses |
VS VS |
Medicare LITE 100% of Sum Insured restored once during the policy year |
| Cashless Healthcare Providers |
|---|
Medicare Premier 12,000+ Healthcare Providers |
VS VS |
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
| Daycare Treatment |
|---|
Medicare Premier Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Medicare LITE Covered up to Sum Insured |
| Cumulative Bonus |
|---|
Medicare Premier 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 VS |
Medicare LITE Information Unavailable |
| AYUSH Treatment |
|---|
Medicare Premier Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Medicare LITE Covered up to Sum Insured |
| Consumable Cover |
|---|
Medicare Premier Yes |
VS VS |
Medicare LITE Information Unavailable |
| Initial Waiting Period |
|---|
Medicare Premier 30 days |
VS VS |
Medicare LITE Information Unavailable |
| Specific Waiting Period |
|---|
Medicare Premier 2 years |
VS VS |
Medicare LITE Information Unavailable |
| PED Waiting Period |
|---|
Medicare Premier 3 years |
VS VS |
Medicare LITE Information Unavailable |
| Modern Treatment |
|---|
Medicare Premier Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Medicare LITE Information Unavailable |
| Annual Health Checkup |
|---|
Medicare Premier Health check-up is available from the first policy year |
VS VS |
Medicare LITE Information Unavailable |
| Pre-Hospitalisation |
|---|
Medicare Premier You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Medicare LITE Covered up to 60 days before hospitalisation |
| Post-Hospitalisation |
|---|
Medicare Premier You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Medicare LITE Covered up to 180 days after hospitalisation |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Premier OPD expense is included |
VS VS |
Medicare LITE Not covered |
| Deductible Option |
|---|
Medicare Premier Available as an option |
VS VS |
Medicare LITE Not specified |
| Coverage Options |
|---|
Medicare Premier Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
| Claim Settlement Ratio |
|---|
Medicare Premier 95.43% |
VS VS |
Medicare LITE Not specified in the product prospectus |
| Maternity Cover |
|---|
Medicare Premier Available |
VS VS |
Medicare LITE Not covered |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
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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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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