Insurance Plans Comparison
TATA AIG Medicare Premier vs Niva Bupa Health Premia Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Premier
Comprehensive health insurance with enhanced coverage, wellness benefits and global protection.
What Makes It Special:
Tata AIG Medicare Premier is a comprehensive health insurance plan designed to offer wide-ranging protection for individuals and families. It features high sum insured options, global cover for inpatient treatments, maternity benefits, and coverage for organ donor expenses. The plan also includes a restoration benefit, annual health check-ups, and no-claim...
Best For:
Comprehensive Health Coverage
Global Inpatient Treatment
High Sum Insured Options
Family Floater Available
VS
Health Premia Platinum
Health Premia Platinum offers ₹1-3 Crore cover with any room, OPD cover, ₹2 Lakh maternity, multi-trip travel cover and specified illness treatment abroad.
What Makes It Special:
Health Premia Platinum is Niva Bupa’s top Health Premia plan, combining ₹1-3 Crore cover with no room category limit, OPD, ₹10,000 annual health check-up, worldwide second opinion, child vaccination, specified illness treatment abroad and annual multi-trip international cover up to ₹1 Crore.
Best For:
Buyers who want treatment abroad for major specified illnesses like cancer and heart attack
People who want OPD, health check-up and child vaccination covered
Couples planning a family who want ₹2 Lakh maternity cover worldwide (excl. USA/Canada)
Frequent international travellers who want annual multi-trip medical cover
Families wanting very high cover of ₹1-3 Crore
Insurance Plans Comparison
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Quick Decision Guide
Worldwide inpatient treatment coverage
Sum insured up to ₹3 crores
Access to 12,000+ healthcare providers
Maternity cover after 4 years
100% sum insured restoration
Niva Bupa Health Premia Platinum
Reasons to Consider: Loyalty Additions grow cover by 10% of Base Sum Insured every year up to 100%, even if you claim.
Reasons to Consider: A 100% Re-fill of Base Sum Insured is available once a year for any illness.
Reasons to Consider: Pre- and post-hospitalisation are covered for 90 and 180 days.
Reasons to Consider: PED waiting period is 24 months and specific disease waiting period is 12 months.
Reasons to Consider: Any room category, OPD cover and annual multi-trip international cover are built in.
Things to Consider: Maternity cover is only for Family Floater / Family First policies after 24 months of continuous cover.
Things to Consider: Zone 2 pricing means a 20% co-payment for treatment in Mumbai, Delhi NCR, Kolkata and Gujarat.
Things to Consider: Non-payable items such as gloves need the paid Safeguard add-on.
Things to Consider: Robotic surgery, some mental disorders and HIV/AIDS have sub-limits; mental illness has a 36-month wait.
Things to Consider: Premium is higher because of ₹1-3 Crore cover and the built-in extras.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Premier Health Insurance Plan VS VS |
Health Premia Platinum Health Insurance Plan |
| Room Rent |
|---|
Medicare Premier All room categories are covered |
VS VS |
Health Premia Platinum Covered up to Sum Insured, no room category restriction (Any Room, incl. suite) |
| ICU Charges |
|---|
Medicare Premier No restriction on ICU room rent |
VS VS |
Health Premia Platinum Covered up to Sum Insured as part of In-patient Care; no separate ICU cap stated |
| Co-payment |
|---|
Medicare Premier Not available |
VS VS |
Health Premia Platinum No mandatory co-payment with Zone 1 pricing. With Zone 2 pricing, 20% co-pay applies to treatment in Mumbai (incl. Navi Mumbai & Thane), Delhi NCR, Kolkata and Gujarat. OPD claims under International Coverage have 20% co-pay |
| Disease-wise sublimits |
|---|
Medicare Premier No |
VS VS |
Health Premia Platinum No sublimits on common conditions like cataract or joint replacement. Sublimits apply to: robotic surgeries (₹1 Lakh, with exceptions), specified mental disorders (₹1,00,000), HIV/AIDS (₹50,000 per year), LASER surgery (up to ₹1,00,000), non-network road ambulance (₹2,000 per event) |
| Restoration Benefit |
|---|
Medicare Premier Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses |
VS VS |
Health Premia Platinum Re-fill Benefit: up to 100% of Base Sum Insured once per policy year, for the same or a different illness, after the Sum Insured is partly or fully used. Not available under the Family First variant |
| Cashless Healthcare Providers |
|---|
Medicare Premier 12,000+ Healthcare Providers |
VS VS |
Health Premia Platinum Cashless treatment at Niva Bupa network hospitals across India; 10,000+ network hospitals (approximate, per Platinum brochure and Annual Report FY 2024-25; subject to change). Pre-authorisation target of 30 minutes |
| Daycare Treatment |
|---|
Medicare Premier Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Health Premia Platinum All listed day care procedures (Annexure III) covered up to Sum Insured |
| Cumulative Bonus |
|---|
Medicare Premier 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 Premia Platinum Loyalty Additions of 10% of expiring Base Sum Insured every policy year, up to 100%, even if you claim. Optional Enhanced Loyalty Addition: 20% per year, up to 200% |
| AYUSH Treatment |
|---|
Medicare Premier Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Health Premia Platinum In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH hospital covered up to Sum Insured, with 90/180 days pre/post-hospitalisation |
| Consumable Cover |
|---|
Medicare Premier Yes |
VS VS |
Health Premia Platinum Allowable consumables paid within hospital bills; IRDAI non-payable items are not covered in the base plan. Covered with the optional Safeguard (List I) or Safeguard+ (Lists I-IV) add-on (Add-on UIN NBHHLIA24109V022324) |
| Initial Waiting Period |
|---|
Medicare Premier 30 days |
VS VS |
Health Premia Platinum 30 days (not for accidents or renewals) |
| Specific Waiting Period |
|---|
Medicare Premier 2 years |
VS VS |
Health Premia Platinum 12 months for listed conditions (e.g. cataract, hernia, joint/spine disorders, piles). Accidents covered from day 1; cancer after the 30-day wait. Mental illness and LASER surgery: 36 months. HIV/AIDS: 48 months |
| PED Waiting Period |
|---|
Medicare Premier 3 years |
VS VS |
Health Premia Platinum 24 months of continuous cover |
| Modern Treatment |
|---|
Medicare Premier Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Health Premia Platinum Covered up to Sum Insured (12 listed procedures, e.g. robotic surgery, oral chemotherapy, immunotherapy, stem cell therapy). Robotic surgeries capped at ₹1 Lakh, except robotic radical prostatectomy, cardiac, partial nephrectomy and cancer surgeries |
| Annual Health Checkup |
|---|
Medicare Premier Health check-up is available from the first policy year |
VS VS |
Health Premia Platinum Annual from Day 1: tests up to ₹10,000 per insured (Family First Platinum: ₹5,000) |
| Pre-Hospitalisation |
|---|
Medicare Premier You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Health Premia Platinum Up to 90 days before admission, covered up to Sum Insured |
| Post-Hospitalisation |
|---|
Medicare Premier You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Health Premia Platinum Up to 180 days after discharge, covered up to Sum Insured |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Premier OPD expense is included |
VS VS |
Health Premia Platinum Covered up to ₹50,000 per policy per year (Family First: ₹35,000) for consultations, diagnostics and prescribed medicines; 80% of unused amount carried forward, total capped at 2.5x the annual limit. Unlimited e-consultations included in all plans |
| Deductible Option |
|---|
Medicare Premier Available as an option |
VS VS |
Health Premia Platinum Not available (the policy wording has no deductible option for Health Premia) |
| Coverage Options |
|---|
Medicare Premier Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Health Premia Platinum Individual / Family Floater: ₹1 Crore, ₹2 Crore or ₹3 Crore Base Sum Insured. Family First variant: Base Individual SI ₹10-15 Lakh per person with a shared floater layer on top. Policy types: Individual, Family Floater (up to 6 members, max 4 children) and Family First (up to 19 relationships). Entry age: adults 18-65, children 91 days-30 years. 1, 2 or 3-year terms; lifelong renewal |
| Claim Settlement Ratio |
|---|
Medicare Premier 95.43% |
VS VS |
Health Premia Platinum 93.5% of claims settled (by number) for Health Premia in FY 2025-26. Source: Niva Bupa Public Disclosures FY2025-26 (Form NL-47), https://transactions.nivabupa.com/pages/doc/pub-dis/quarterly-reports/Website-Public-Disclosures-Mar-2026.pdf. Company-level: 94.4% (Niva Bupa Annual Report FY 2025-26) |
| Maternity Cover |
|---|
Medicare Premier Available |
VS VS |
Health Premia Platinum Covered only under Family Floater / Family First (not Individual), after 24 months continuous cover, up to 2 pregnancies/terminations: up to ₹2,00,000 worldwide excl. USA & Canada (Family First Platinum ₹1,00,000). USA/Canada extension available as optional add-on. New born covered up to SI till end of policy year; newborn vaccination in first year |
Insurance Plans Comparison
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Explore Insurance Category
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Secure against age-related medical costs
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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
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