Insurance Plans Comparison
TATA AIG Medicare Select vs ICICI Lombard Elevate (Direct)
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
Elevate (Direct)
Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.
What Makes It Special:
ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...
Best For:
Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.
Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.
Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.
Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.
Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.
Insurance Plans Comparison
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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.
Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.
Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.
Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.
Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.
Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
![]() Elevate (Direct) 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 |
Elevate (Direct) Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts. |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Elevate (Direct) Covered as per applicable policy terms and eligible room category. |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Elevate (Direct) Not Available. |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Elevate (Direct) Voluntary co-payment available as optional cover. |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Elevate (Direct) Network hospitals plus Cashless Everywhere option for any hospital in India. |
| 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 |
Elevate (Direct) Reset Benefit restores SI for future claims; unlimited resets per year. |
| 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 |
Elevate (Direct) Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum. |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Elevate (Direct) Eligible day-care procedures covered under base plan. |
| Consumable Cover |
|---|
Medicare Select No. However, available as an add-on |
VS VS |
Elevate (Direct) Covered under Claim Protector add-on for specified items (gloves, syringes, masks) |
| AYUSH Treatment |
|---|
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Elevate (Direct) In-patient AYUSH hospitalisation covered up to applicable SI |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Elevate (Direct) 30 days from policy start for specified illnesses. |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Elevate (Direct) 24 months for specified diseases. |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Elevate (Direct) 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Elevate (Direct) Covers modern treatments as specified per policy with applicable per-treatment conditions. |
| Annual Health Checkup |
|---|
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Elevate (Direct) Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000). |
| 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 |
Elevate (Direct) Up to 90 days before hospitalisation for eligible expenses. |
| 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 |
Elevate (Direct) Up to 180 days after hospitalisation for eligible expenses. |
| 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 |
Elevate (Direct) Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics. |
| Deductible Option |
|---|
Medicare Select Available as an option |
VS VS |
Elevate (Direct) Voluntary deductible available as optional cover. |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Elevate (Direct) Flexible SI options including unlimited sum insured option. |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Elevate (Direct) Not publicly specified on official product page. |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Elevate (Direct) Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP. |
Insurance Plans Comparison
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