TATA AIG Hеalth Insurancе Medicare Premier vs Star Health Insurance Assure

All room categories are covered

If your sum insured is up to ₹5 lakh, room rent coverage is capped at 1% of your sum insured. For sum insured between ₹10 lakh and ₹25 lakh, you can choose a single AC or twin-sharing room, excluding suites. If your sum insured is ₹50 lakh or more, you have full freedom to pick any room category.

No restriction on ICU room rent

No restriction on ICU room rent

Not available

Yes

No

No

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

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

12,000+ Healthcare Providers

13000+ Healthcare Providers

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

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

Your sum insured increases by 10% every year, maximum up to 100%

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

Yes

Yes

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 from the first policy year

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 180 days after discharge, including physiotherapy if your doctor prescribes it

OPD expense is included

OPD expenses are not included

Available as an option

Available as an option

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

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

86.50%

99.21%

Available

Available