Insurance Plans Comparison
HDFC ERGO myHealth Koti Suraksha vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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myHealth Koti Suraksha
myHealth Koti Suraksha
What Makes It Special:
myHealth Koti Suraksha is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
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
Not available
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
myHealth Koti Suraksha Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
myHealth Koti Suraksha Single Standard AC Room Covered as part of hospitalization expenses |
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 |
| Advanced Treatments |
|---|
myHealth Koti Suraksha Advanced Technology Methods Covered |
VS VS |
Medicare Select Information Unavailable |
| ICU Charges |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
myHealth Koti Suraksha 20% Co-payment |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select No |
| Waiting Period |
|---|
myHealth Koti Suraksha Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months |
VS VS |
Medicare Select Information Unavailable |
| Cashless Healthcare Providers |
|---|
myHealth Koti Suraksha Available through network hospitals |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
myHealth Koti Suraksha Covered |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
myHealth Koti Suraksha Information Unavailable |
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 |
| AYUSH Treatment |
|---|
myHealth Koti Suraksha Covered |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
myHealth Koti Suraksha Information Unavailable |
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 |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
myHealth Koti Suraksha Information Unavailable |
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 |
|---|
myHealth Koti Suraksha Information Unavailable |
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) |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
myHealth Koti Suraksha Information Unavailable |
VS VS |
Medicare Select Available |
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.
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24/7 Claim Assistance
Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support
What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
Expert-Led Policy Review
We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later
Smart, Tech-Enabled Experience
From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free
Insurance Plans Comparison
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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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