Niva Bupa Health Insurance Senior First Gold Plan vs TATA AIG Hеalth Insurancе Medicare Premier

The shared Room is covered.

All room categories are covered

No restriction on ICU room rent

No restriction on ICU room rent

Including robotic surgeries, stem cell therapy (for specific conditions), and modern procedures like laser treatments and bariatric surgery.

Yes, 50%

Not available

No

No

10000+ Healthcare Providers

12,000+ Healthcare Providers

Not Available.

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

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

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

Not Available

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

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

Not Available

Yes

30 days.

30 days

2 years

2 years

2 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

Not Available

Health check-up is available from the first policy year

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 180 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 included

Available

Available as an option

Available coverage options: ₹5L, ₹10L

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

90.10%

86.50%

Not Available

Available