TATA AIG Hеalth Insurancе Medicare Plus vs Care Health Insurance Enhance 1

No capping on room rent or ICU charges.

1. Normal:  No limit on room rent.
2. ICU: No limit on ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

1. Robotic surgery
2. Stem cell therapy
3. Deep brain stimulation
4. Immunotherapy
5. Monoclonal antibody injections
6. Oral chemotherapy
7. Intra-vitreal injections
8. Balloon Sinuplasty.

No

No

Not available

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

1. Initial waiting period: 30 Days

    

2. Specific Waiting Periods: 24 Months 

    

3. Pre-Existing Diseases: 36 Months 

.

Not available

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

12046+ Healthcare Providers

Access to 24,800+ network hospitals for cashless treatment.

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

Your sum insured increases by 10% every year, maximum up to 100%

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. 

.

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

.

Yes

Yes

30 days

30 days

2 years

2 years

3 years

3 years

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

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

Health check-up is available once every policy year, from day 1 of the policy

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

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

OPD expense is not included

OPD expense is not included

Available

Available

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Available coverage options: 20L to 1cr

86.50%

87.10%

Not available

Not available