Insurance Plans Comparison
Niva Bupa Aspire Diamond+ 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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Aspire Diamond+
Comprehensive health insurance with growing coverage, maternity-related benefits and unlimited post-claim restoration.
What Makes It Special:
Niva Bupa Aspire Diamond+ is designed for people seeking comprehensive hospitalisation cover alongside benefits that can build over time. It includes Booster+, which carries forward unused Base Sum Insured subject to entry-age limits, and ReAssure Forever, which provides unlimited additional cover after the first paid eligible claim. The M-iracle benefit...
Best For:
Buyers who want the flexibility to add optional OPD, consumables or international treatment benefits.
Policyholders who value unlimited additional cover after the first eligible paid claim.
People planning for eligible maternity and parenthood-related expenses.
Younger buyers who want unused coverage to accumulate through Booster+.
Individuals and families looking for comprehensive hospitalisation coverage.
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
Compare optional benefits and premiums to decide whether WellConsult, Safeguard+, Borderless or other add-ons suit your needs.
Check room eligibility and any room-type modification before purchasing, especially if you prefer a higher-category room.
Review the co-payment options carefully, as choosing one affects how much of an admissible claim you pay yourself.
Consider the M-iracle benefit if maternity, IVF, adoption or surrogacy coverage is important to you; the brochure lists a 24-month waiting period.
Choose Diamond+ if you want higher Booster+ accumulation than Gold+ offers at the same entry-age bands.
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
Aspire Diamond+ Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Aspire Diamond+ Single private AC room is included as part of base cover. However, you can opt for add-on to upgrade or downgrade the 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 |
|---|
Aspire Diamond+ No restriction on ICU room rent |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Aspire Diamond+ Available as an option |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Aspire Diamond+ No |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Aspire Diamond+ 10,000+ Healthcare Providers |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Aspire Diamond+ Yes, your sum insured restores to 100% unlimited times after your first claim, for both related and 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 |
| Daycare Treatment |
|---|
Aspire Diamond+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your 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 |
|---|
Aspire Diamond+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
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 |
|---|
Aspire Diamond+ 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 |
|---|
Aspire Diamond+ Yes |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
Aspire Diamond+ 30 days |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Aspire Diamond+ 2 years |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Aspire Diamond+ 3 years |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Aspire Diamond+ 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 |
|---|
Aspire Diamond+ Health check-up is available once every policy year, from day 1 of the policy |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Aspire Diamond+ You get cover for medical tests and doctor visits up to 60 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 |
|---|
Aspire Diamond+ 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) |
|---|
Aspire Diamond+ OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Aspire Diamond+ Available as an option |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Aspire Diamond+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Aspire Diamond+ 92.02% |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Aspire Diamond+ Available |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
Still Confused? Get Expert Advice
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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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
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Insurance Plans Comparison
Explore Insurance Category
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Reduces financial stress of childbirth costs
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Maternity Health Plan
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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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