Insurance Plans Comparison
TATA AIG Medicare Plus vs Niva Bupa Health Recharge
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Plus
Affordable super top-up health insurance with higher coverage, flexible deductibles and additional protection.
What Makes It Special:
Tata AIG Medicare Plus is a comprehensive health insurance plan that covers hospitalization, pre- and post-hospitalization, daycare procedures, and cashless treatment across a wide hospital network. With high sum insured options and useful add-ons, it ensures financial security and peace of mind for individuals and families against rising healthcare costs.
Best For:
Add-ons for extra protection
Covers daycare & hospitalization care
Easy cashless treatment nationwide
High coverage for you & your family
VS
Health Recharge
Super top-up health insurance for additional financial protection against hospitalisation expenses.
What Makes It Special:
Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.
Best For:
Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.
People looking for optional personal accident or critical illness cover.
Buyers who want to supplement an existing base health insurance policy.
Families seeking a higher total health cover with a chosen deductible.
People who already have employer-provided or individual health insurance and want additional cover.
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
You want a family-friendly plan that ensures peace of mind
You want add-ons like global cover or critical illness protection
You want daycare, pre- and post-hospitalization expenses covered
You want cashless treatment at top hospitals nationwide
You want wide coverage with a high sum insured
Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.
Review the waiting periods and exclusions in the complete policy wording before purchasing.
Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.
Check whether your existing health insurance cover and the selected deductible work well together.
Choose a deductible you can comfortably pay before the plan begins contributing.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Plus Health Insurance Plan VS VS |
Health Recharge Health Insurance Plan |
| Room Rent |
|---|
Medicare Plus No capping on room rent or ICU charges. |
VS VS |
Health Recharge Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible. |
| ICU Charges |
|---|
Medicare Plus No restriction on ICU room rent |
VS VS |
Health Recharge Covered up to sum insured with no specific restrictions. |
| Disease-wise sublimits |
|---|
Medicare Plus No |
VS VS |
Health Recharge Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K) |
| Co-payment |
|---|
Medicare Plus Not available |
VS VS |
Health Recharge Not applicable; annual aggregate deductible is the cost-sharing mechanism. |
| Waiting Period |
|---|
Medicare Plus
|
VS VS |
Health Recharge Information Unavailable |
| Restoration Benefit |
|---|
Medicare Plus Not available |
VS VS |
Health Recharge Not available under Health Recharge plan. |
| Cashless Healthcare Providers |
|---|
Medicare Plus 12046+ Healthcare Providers |
VS VS |
Health Recharge 10,000+ Niva Bupa empanelled network hospitals. |
| Cumulative Bonus |
|---|
Medicare Plus 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 |
Health Recharge Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L). |
| Daycare Treatment |
|---|
Medicare Plus 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. |
VS VS |
Health Recharge All eligible day-care treatments covered up to sum insured. |
| AYUSH Treatment |
|---|
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
VS VS |
Health Recharge Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI. |
| Consumable Cover |
|---|
Medicare Plus Yes |
VS VS |
Health Recharge Yes, medicines, drugs and consumables as prescribed by treating practitioner. |
| Initial Waiting Period |
|---|
Medicare Plus 30 days |
VS VS |
Health Recharge 30 days from first policy commencement (no exception for accidents). |
| Specific Waiting Period |
|---|
Medicare Plus 2 years |
VS VS |
Health Recharge 24 months for specified diseases and procedures listed in policy. |
| PED Waiting Period |
|---|
Medicare Plus 3 years |
VS VS |
Health Recharge 36 months continuous coverage from policy inception. |
| Modern Treatment |
|---|
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Recharge Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits. |
| Annual Health Checkup |
|---|
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Health Recharge Not listed as base benefit; health assessment available separately. |
| Pre-Hospitalisation |
|---|
Medicare Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Health Recharge Up to 60 days before hospitalisation when related claim is admissible. |
| Post-Hospitalisation |
|---|
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Recharge Up to 90 days after discharge for eligible medical expenses. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Plus OPD expense is not included |
VS VS |
Health Recharge Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access. |
| Deductible Option |
|---|
Medicare Plus Available |
VS VS |
Health Recharge Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available. |
| Coverage Options |
|---|
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
VS VS |
Health Recharge ₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L. |
| Claim Settlement Ratio |
|---|
Medicare Plus 95.43% |
VS VS |
Health Recharge 80% |
| Maternity Cover |
|---|
Medicare Plus Not available |
VS VS |
Health Recharge Excluded under this policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
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