Insurance Plans Comparison
TATA AIG Medicare Select vs Care Heart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Select
Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits
What Makes It Special:
TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.
Best For:
Flexible sum insured options
Critical illness and daycare treatments
Pre- and post-hospitalization expenses covered
Comprehensive individual and family coverage
VS
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
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
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| Room Rent |
|---|
Medicare Select Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category |
VS VS |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Heart Yes |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Heart 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
VS VS |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| Cumulative Bonus |
|---|
Medicare Select 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 |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Medicare Select No. However, available as an add-on |
VS VS |
Heart No. However available as an add-on. |
| AYUSH Treatment |
|---|
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Heart 30 days |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Heart 2 years |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Heart 2 years |
| Modern Treatment |
|---|
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
VS VS |
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Heart OPD expense is not included |
| Deductible Option |
|---|
Medicare Select Available as an option |
VS VS |
Heart Not available |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Heart 96% |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Heart Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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