Insurance Plans Comparison
Care Super Mediclaim vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSuper Mediclaim
Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.
What Makes It Special:
Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.
Best For:
Customers comparing specialised health coverage options alongside their existing health insurance.
Individuals seeking insurance for defined surgical procedures.
People looking for cover for specified heart-related conditions.
Customers seeking financial protection for eligible cancer treatment.
Individuals looking for cover focused on specified critical illnesses.
VS
Medicare 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
Insurance Plans Comparison
Get Personalized Advice
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
Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.
Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.
Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.
Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.
Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Super Mediclaim Health Insurance Plan VS VS |
![]() Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Super Mediclaim Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement. |
VS VS |
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 |
| ICU Charges |
|---|
Super Mediclaim ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Super Mediclaim A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Super Mediclaim Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Super Mediclaim Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Super Mediclaim Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule. |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Super Mediclaim No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions. |
VS VS |
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 |
| Daycare Treatment |
|---|
Super Mediclaim Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms. |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Super Mediclaim Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms. |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Super Mediclaim Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Super Mediclaim Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms. |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Super Mediclaim A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Super Mediclaim The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Super Mediclaim Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits. |
VS VS |
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Super Mediclaim Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
VS VS |
Medicare Select You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Super Mediclaim Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility. |
VS VS |
Medicare Select You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Mediclaim OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Super Mediclaim A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Super Mediclaim Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Super Mediclaim Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Super Mediclaim Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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