Insurance Plans Comparison
TATA AIG Medicare Senior vs TATA AIG Medicare LITE
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Medicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
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 Senior Health Insurance Plan VS VS |
Medicare LITE Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Medicare LITE Normal: Single Private Room ICU: Up to Sum Insured |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Medicare LITE Information Unavailable |
| Advanced Treatments |
|---|
Medicare Senior 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 Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
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 Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
VS VS |
Medicare LITE No specific disease-wise sublimit specified |
| Waiting Period |
|---|
Medicare Senior Information Unavailable |
VS VS |
Medicare LITE Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 36 months |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS VS |
Medicare LITE Cashless treatment available through Valued Provider – Pan India network |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
VS VS |
Medicare LITE 100% of Sum Insured restored once during the policy year |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
VS VS |
Medicare LITE Information Unavailable |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS VS |
Medicare LITE Covered up to Sum Insured |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
VS VS |
Medicare LITE Information Unavailable |
| AYUSH Treatment |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Medicare LITE Covered up to Sum Insured |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS VS |
Medicare LITE Information Unavailable |
| Specific Waiting Period |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Medicare LITE Information Unavailable |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Medicare LITE Information Unavailable |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS VS |
Medicare LITE Information Unavailable |
| Annual Health Checkup |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Medicare LITE Information Unavailable |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Medicare LITE Covered up to 60 days before hospitalisation |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
VS VS |
Medicare LITE Covered up to 180 days after hospitalisation |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
VS VS |
Medicare LITE Not covered |
| Deductible Option |
|---|
Medicare Senior Not specified as a standard deductible option. |
VS VS |
Medicare LITE Not specified |
| Coverage Options |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Medicare LITE ₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Medicare LITE Not specified in the product prospectus |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS VS |
Medicare LITE Not covered |
Insurance Plans Comparison
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What Our Experts Help You With
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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