Insurance Plans Comparison
Star Health Gain vs TATA AIG Medicare Plus
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
VS
Medicare 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
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
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
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
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Health Gain Health Insurance Plan VS VS |
Medicare Plus Health Insurance Plan |
| Room Rent |
|---|
Health Gain
|
VS VS |
Medicare Plus No capping on room rent or ICU charges. |
| ICU Charges |
|---|
Health Gain Covered as part of eligible hospitalisation expenses. |
VS VS |
Medicare Plus No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
VS VS |
Medicare Plus No |
| Co-payment |
|---|
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
VS VS |
Medicare Plus Not available |
| Waiting Period |
|---|
Health Gain Information Unavailable |
VS VS |
Medicare Plus
|
| Restoration Benefit |
|---|
Health Gain Not specified. |
VS VS |
Medicare Plus Not available |
| Cashless Healthcare Providers |
|---|
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
VS VS |
Medicare Plus 12046+ Healthcare Providers |
| Daycare Treatment |
|---|
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
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. |
| Cumulative Bonus |
|---|
Health Gain Not specified. |
VS VS |
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 |
| AYUSH Treatment |
|---|
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
VS VS |
Medicare Plus Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems. |
| Consumable Cover |
|---|
Health Gain Not specified. |
VS VS |
Medicare Plus Yes |
| Initial Waiting Period |
|---|
Health Gain 30 days, except for covered accident-related claims. |
VS VS |
Medicare Plus 30 days |
| Specific Waiting Period |
|---|
Health Gain 24 months for specified diseases and procedures. |
VS VS |
Medicare Plus 2 years |
| PED Waiting Period |
|---|
Health Gain 36 months for pre-existing diseases. |
VS VS |
Medicare Plus 3 years |
| Modern Treatment |
|---|
Health Gain Specified modern treatments are covered, subject to policy limits. |
VS VS |
Medicare Plus Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Gain Not specified. |
VS VS |
Medicare Plus Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Health Gain Covered for up to 30 days before hospital admission. |
VS VS |
Medicare Plus You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health Gain Covered for up to 60 days after discharge. |
VS VS |
Medicare Plus You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
VS VS |
Medicare Plus OPD expense is not included |
| Deductible Option |
|---|
Health Gain Not specified. |
VS VS |
Medicare Plus Available |
| Coverage Options |
|---|
Health Gain Individual and Family Floater. |
VS VS |
Medicare Plus Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr |
| Claim Settlement Ratio |
|---|
Health Gain Insurer-level metric, not a policy benefit. |
VS VS |
Medicare Plus 95.43% |
| Maternity Cover |
|---|
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
VS VS |
Medicare Plus Not available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Why Choose Our Expert Consultation?
End-to-End Support
From choosing the right policy to managing claims, every step is handled for you
Zero Spam. Zero Hassle
Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
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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