Insurance Plans Comparison
ICICI Lombard Elevate 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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Elevate
Comprehensive health insurance with high coverage, loyalty bonus and flexible optional benefits
What Makes It Special:
ICICI Lombard’s Elevate health insurance policy is designed to provide comprehensive protection and flexibility. It covers hospitalisation, day-care treatments, pre- and post-hospitalisation expenses (90 to 180 days), AYUSH treatments, ambulance services (road and air), and even worldwide cashless hospitalisation. The policy offers unlimited reset of sum insured, 100% annual increase...
Best For:
Comprehensive All-Round Protection
Global Health Insurance Coverage
Advanced Critical Illness Cover
Tech-Enabled Seamless Support
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
You want global and all-round health coverage
You need CIBIL discount on good credit score
You need coverage on conditions like Asthma, BP, Cholesterol, Diabetes from Day 1
You need a good customer app which has a simplified claims experience
You need unlimited sum insured restoration benefits and high cumulative bonus
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
Elevate Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Elevate Single private AC room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category (Option to modify room category) |
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 |
|---|
Elevate No restriction on ICU room rent |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Elevate Available as an option |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Elevate No |
VS VS |
Medicare Select No |
| Restoration Benefit |
|---|
Elevate Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses (per claim in a policy year for related/unrelated illnesses) |
VS VS |
Medicare Select es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Elevate 10300+ Healthcare Providers |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Daycare Treatment |
|---|
Elevate Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Elevate Your sum insured increases by 20% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year. (Option to boost coverage by 1x annually) |
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 |
|---|
Elevate Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Elevate No. However, available as an add-on |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
Elevate 30 days |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Elevate 2 years |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Elevate 3 years |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Elevate Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
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 |
|---|
Elevate Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Elevate You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved |
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 |
|---|
Elevate You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it. |
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) |
|---|
Elevate OPD expense is not included as part of base cover. However, available as an add-on |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Elevate Not available |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Elevate Available sum insured options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr, ₹3 Cr and unlimited sum insured |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Elevate 97.16% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Elevate No. However, available as an add-on. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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What Our Experts Help You With
Personalised Recommendations
Every suggestion is backed by expert analysis of your life stage, goals, and budget
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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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Frequently Asked Questions (FAQs)
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