Star Health Insurance Star Women Care Policy vs TATA AIG Hеalth Insurancе Medicare Plus

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

No capping on room rent or ICU charges.

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

Not available

1. Initial waiting period: 30 Days

    

2. Specific Waiting Periods: 24 Months 

    

3. Pre-Existing Diseases: 36 Months 

100% once after full/partial utilization in a year

Not available

13000+ Healthcare Providers

12046+ Healthcare Providers

20% each year, up to 100%

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

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

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. 

Yes

Yes

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

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

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 is available

OPD expense is not included

Not Available

Available

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

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

99.21%

86.50%

Available

Not available