Insurance Plans Comparison
TATA AIG Medicare Premier vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat 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
Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
Insurance Plans Comparison
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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
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
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Premier Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Medicare Premier All room categories are covered |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| ICU Charges |
|---|
Medicare Premier No restriction on ICU room rent |
VS VS |
Assure No restriction on ICU room rent |
| Co-payment |
|---|
Medicare Premier Not available |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Disease-wise sublimits |
|---|
Medicare Premier No |
VS VS |
Assure No |
| 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 |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Medicare Premier 12,000+ Healthcare Providers |
VS VS |
Assure 14000+ Healthcare Providers |
| Daycare Treatment |
|---|
Medicare Premier Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual 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 |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| AYUSH Treatment |
|---|
Medicare Premier Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare Premier Yes |
VS VS |
Assure Yes |
| Initial Waiting Period |
|---|
Medicare Premier 30 days |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Medicare Premier 2 years |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
Medicare Premier 3 years |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
Medicare Premier Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Premier Health check-up is available from the first policy year |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| 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 |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| 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 |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Premier OPD expense is included |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Medicare Premier Available as an option |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
Medicare Premier Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Medicare Premier 95.43% |
VS VS |
Assure 82.31% |
| Maternity Cover |
|---|
Medicare Premier Available |
VS VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
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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