Insurance Plans Comparison
TATA AIG Medicare Select vs Niva Bupa Aspire Gold+
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
Aspire Gold+
Get health insurance with Booster+ benefits, unlimited ReAssure Forever protection, maternity-related M-iracle benefits and flexible optional covers for your healthcare needs.
What Makes It Special:
Niva Bupa Aspire Gold+ is a health insurance variant designed to provide hospitalisation protection alongside benefits that help preserve and extend coverage over time. It includes eligible inpatient and day-care treatment, modern treatments, AYUSH, pre- and post-hospitalisation expenses, home care, organ donor expenses and cashless annual health check-ups. ReAssure Forever...
Best For:
Customisable coverage: For people who want to consider optional benefits such as Claim Safeguard+, Cash-Bag, Borderless or Hospital Daily Cash.
Everyday healthcare support: For buyers interested in optional WellConsult OPD services, including consultations, diagnostics and pharmacy benefits.
Maternity-related planning: For those who want the M-iracle benefit and can plan around its 48-month waiting period.
Growing unused cover: For customers who want unused base sum insured carried forward through Booster+, within Gold+'s applicable limits.
Long-term health protection: For buyers seeking hospitalisation cover with ReAssure Forever after the first paid claim.
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.
Evaluate optional benefits: Compare the extra premium and conditions for WellConsult OPD, Cash-Bag, Safeguard+, Borderless and other available options.
Plan maternity benefits early: M-iracle has a 48-month waiting period under Gold+, so review eligibility and benefit limits before purchasing.
Review waiting periods: The brochure lists a 30-day initial waiting period. Confirm the applicable pre-existing disease and specific disease waiting periods in your policy schedule.
Understand Booster+: For Gold+, unused base sum insured carries forward up to 3X for entry ages 18–35, 2X for ages 36–45 and 1X for ages 46 and above.
Select your base sum insured: Choose from ₹3 lakh to ₹1 crore based on your healthcare needs and budget.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
Aspire Gold+ 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 |
Aspire Gold+ All room categories are covered |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Aspire Gold+ No restriction on ICU room rent |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Aspire Gold+ No |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Aspire Gold+ Not available |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Aspire Gold+ 10,000+ 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 |
Aspire Gold+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| 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 |
Aspire Gold+ Unutilised sum insured can be carried forward up to 3X (entry age 18–35 yrs), 2X (entry age 36–45 yrs), and 1X (entry age 46+ yrs) |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Aspire Gold+ 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 |
Aspire Gold+ 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 |
Aspire Gold+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Aspire Gold+ 30 days |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Aspire Gold+ 2 years |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Aspire Gold+ 3 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 |
Aspire Gold+ 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 |
Aspire Gold+ Health check-up is available once every policy year, from day 1 of the policy |
| 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 |
Aspire Gold+ You get cover for medical tests and doctor visits up to 60 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 |
Aspire Gold+ You get cover for medical bills up to 180 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 |
Aspire Gold+ OPD expense is not included |
| Deductible Option |
|---|
Medicare Select Available as an option |
VS VS |
Aspire Gold+ Available as optional feature. |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Aspire Gold+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Aspire Gold+ 92.02% |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Aspire Gold+ Available (specific terms apply). |
Insurance Plans Comparison
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Insurance Plans Comparison
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