Insurance Plans Comparison
Niva Bupa GoActive vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreGoActive
Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.
What Makes It Special:
GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.
Best For:
Buyers who do not need maternity cover
Buyers who want the sum insured to grow over time through I-Protect
Buyers who want a health coach and an annual check-up
Families who visit doctors often and want OPD reimbursement
Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits
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
Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.
The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.
The 36-month PED waiting period is long, so buy early if anyone has an existing condition.
Maternity is excluded, so choose another plan if you plan to start a family.
Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.
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
GoActive Health Insurance Plan VS VS |
![]() Medicare Select Health Insurance Plan |
| Room Rent |
|---|
GoActive Normal: For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above) ICU: For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured |
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 |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Medicare Select Information Unavailable |
| ICU Charges |
|---|
GoActive Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
GoActive No mandatory age-based co-payment mentioned |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
GoActive No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
GoActive 4,200+ Network Hospitals |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
GoActive Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount. |
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 |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
GoActive Not offered. The optional I-Protect adds 10% of base sum insured every renewal year. |
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 |
|---|
GoActive Covered up to Sum Insured |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
GoActive Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable. |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
GoActive 30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1. |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
GoActive 24 months for listed conditions and procedures. Cancer is covered after 30 days. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
GoActive 36 months |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
GoActive Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies. |
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 |
|---|
GoActive Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
GoActive Up to 90 days before admission, within the sum insured |
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 |
|---|
GoActive Up to 180 days after discharge, within the sum insured |
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) |
|---|
GoActive Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
GoActive Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
GoActive Information Unavailable |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
GoActive Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27). |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
GoActive Not offered. Maternity and related childbirth expenses are excluded. |
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.
Why Choose Our Expert Consultation?
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
Explore Insurance Category
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
GoActive vs Supreme Senior Premium
GoActive vs Energy Silver Without Copay
GoActive vs Ultimate
GoActive vs EquiCover
GoActive vs Optima Secure Global Plus
GoActive vs Optima Secure
GoActive vs Super Mediclaim
GoActive vs Critical Illness Platinum Plan
GoActive vs Health Recharge
GoActive vs Golden Shield
GoActive vs Optima Secure Plus
GoActive vs Cancer Cover Activ Cancer Secure Plan
GoActive vs LifeTime Health Global
GoActive vs Women Care
GoActive vs Aspire Diamond+
GoActive vs Activate Booster Plan A
GoActive vs myHealth Medisure Super Top-up
GoActive vs Health Super Saver Standard
GoActive vs Active Care Premier
GoActive vs ProHealth Accumulate
GoActive vs Health Booster SuperTopup Individual Adult 1 Year N
GoActive vs Supreme Shine
GoActive vs Health Shield 360 Retail
GoActive vs Health Cardiac Care Silver & Gold Plan
GoActive vs myHealth Suraksha Gold
GoActive vs Max Protect Premium
GoActive vs Elder Care
GoActive vs Young Star Gold
GoActive vs Assure
GoActive vs Active Fit Plus
GoActive vs Cancer Care Platinum
GoActive vs Health Connect Elite
GoActive vs Arogya Sanjeevani
GoActive vs OneHealth Premium
GoActive vs ProHealth Prime Protect
GoActive vs Optima Lite
GoActive vs Medicare Plus
GoActive vs Activ Health Platinum Essential
GoActive vs Criti Shield Family Shield
GoActive vs Medicare Senior
GoActive vs Enhance Super Top-up Two
GoActive vs Reassure 3.0
GoActive vs Medicare Protect
GoActive vs Health AdvantEdge Plus
GoActive vs Activ One SAVR
GoActive vs Active Assure Diamond
GoActive vs Activ One VIP
GoActive vs Health Pulse Classic
GoActive vs Advantage
GoActive vs Mediclaim Insurance Policy
GoActive vs iHealth
GoActive vs Special Care Gold
GoActive vs Energy Gold Without Copay
GoActive vs Activ One Max
GoActive vs Smart Super Health
GoActive vs Classic
GoActive vs Activ One Vytl
GoActive vs Supreme
GoActive vs Freedom
GoActive vs Sarvah Pratham
GoActive vs Joy Today
GoActive vs Medi Classic
GoActive vs Activate Booster Plan B
GoActive vs Aspire Gold+
GoActive vs Health Gain
GoActive vs Aspire Platinum+
GoActive vs Plus Complete
GoActive vs Health Companion Family First Plan
GoActive vs Reassure 2.0 Platinum+
GoActive vs Reassure 3.0 Elite
GoActive vs Enhance Super Top-up One
GoActive vs Joy Tomorrow
GoActive vs Reassure 3.0 Select
GoActive vs Activ One VIP+
GoActive vs Red Carpet Senior Citizens
GoActive vs Super Surplus Gold
GoActive vs Health SuperCharge
GoActive vs Health Elite Plus
GoActive vs Medicare Premier
GoActive vs Family Health Optima
GoActive vs Health Companion Variant 2022
GoActive vs Health Companion Variant 3
GoActive vs Plus Youth
GoActive vs ProHealth Prime Advantage
GoActive vs Critical Illness Silver Plan
GoActive vs Health Premia Gold
GoActive vs Health Premia Platinum
GoActive vs Comprehensive
GoActive vs HeartBeat Enhanced
GoActive vs Reassure
GoActive vs Complete Health Insurance Health Shield Plus Plan
GoActive vs myHealth Suraksha Platinum
GoActive vs Health Recharge Super Top Up Plan
GoActive vs Supreme Value for Money
GoActive vs Supreme Enhance Two
GoActive vs Supreme Senior Super
GoActive vs Supreme Enhance
GoActive vs Reassure 2.0 Gold
GoActive vs Active Fit Preferred
GoActive vs LifeTime Health
GoActive vs Medicare
GoActive vs ProHealth Prime Active
GoActive vs ProHealth Prime Senior Elite
GoActive vs Advanced Top Up
GoActive vs Multiplier Health
GoActive vs Ultimate (Direct)
GoActive vs Young Star
GoActive vs Star Women Care Policy
GoActive vs Health Assurance
GoActive vs Family Plus
GoActive vs Sarvah Param
GoActive vs Optima Insurance
GoActive vs Smart Super Health Assure
GoActive vs Criti Shield Plus
GoActive vs Health Care Supreme Ultimo
GoActive vs Super Star
GoActive vs Reassure 3.0 Black
GoActive vs Health Guard Platinum
GoActive vs Health Guard Gold
GoActive vs Elevate (Direct)
GoActive vs Senior First Platinum
GoActive vs Extra Care Plus Super Top-up
GoActive vs Health Care Supreme Smart
GoActive vs Medi Classic Gold
GoActive vs Smart Health Pro
GoActive vs Optima Super Secure
GoActive vs Optima Secure Global
GoActive vs Special Care
GoActive vs Medicare LITE
GoActive vs NextGen
GoActive vs Health Shield 360
GoActive vs SecureHealth
GoActive vs Energy Silver With Copay
GoActive vs Supreme (Direct)
GoActive vs Plus
GoActive vs Medicare Select
GoActive vs Complete Health Insurance Health Protect Plus Plan
GoActive vs myHealth Koti Suraksha
GoActive vs Senior
GoActive vs myHealth Suraksha Silver
GoActive vs Health Booster
GoActive vs Complete Health Insurance Health Shield
GoActive vs Cardiac Care Platinum
GoActive vs Royal Sundaram Lifeline Elite
GoActive vs HeartBeat Platinum
GoActive vs Supreme Enhance One
GoActive vs HeartBeat Gold
GoActive vs Health Companion Variant 2
GoActive vs Health Companion Variant 1
GoActive vs Aspire Titanium+
GoActive vs iHealth Plus
GoActive vs Reassure 3.0 Classic
GoActive vs Senior Health Advantage
GoActive vs Health Wallet
GoActive vs Elevate
GoActive vs Heart
GoActive vs Reassure 2.0 Titanium+
GoActive vs Diabetes Safe Plan A
GoActive vs Reassure 2.0 Bronze+
GoActive vs Young Star Silver
GoActive vs Enhance Super Top-up
GoActive vs Joy
GoActive vs Health Elite
GoActive vs Supreme Senior Health AdvantEdge
GoActive vs Health AdvantEdge
GoActive vs Supreme Super Saver
GoActive vs Health Insurance Platinum
Medicare Select vs Supreme Senior Premium
Medicare Select vs Energy Silver Without Copay
Medicare Select vs Ultimate
Medicare Select vs EquiCover
Medicare Select vs Optima Secure Global Plus
Medicare Select vs Optima Secure
Medicare Select vs Super Mediclaim
Medicare Select vs Critical Illness Platinum Plan
Medicare Select vs Health Recharge
Medicare Select vs Golden Shield
Medicare Select vs Optima Secure Plus
Medicare Select vs Cancer Cover Activ Cancer Secure Plan
Medicare Select vs LifeTime Health Global
Medicare Select vs Women Care
Medicare Select vs Aspire Diamond+
Medicare Select vs Activate Booster Plan A
Medicare Select vs myHealth Medisure Super Top-up
Medicare Select vs Health Super Saver Standard
Medicare Select vs Active Care Premier
Medicare Select vs ProHealth Accumulate
Medicare Select vs Health Booster SuperTopup Individual Adult 1 Year N
Medicare Select vs Supreme Shine
Medicare Select vs Health Shield 360 Retail
Medicare Select vs Health Cardiac Care Silver & Gold Plan
Medicare Select vs myHealth Suraksha Gold
Medicare Select vs Max Protect Premium
Medicare Select vs Elder Care
Medicare Select vs Young Star Gold
Medicare Select vs Assure
Medicare Select vs Active Fit Plus
Medicare Select vs Cancer Care Platinum
Medicare Select vs Health Connect Elite
Medicare Select vs Arogya Sanjeevani
Medicare Select vs OneHealth Premium
Medicare Select vs ProHealth Prime Protect
Medicare Select vs Optima Lite
Medicare Select vs Medicare Plus
Medicare Select vs Activ Health Platinum Essential
Medicare Select vs GoActive
Medicare Select vs Criti Shield Family Shield
Medicare Select vs Medicare Senior
Medicare Select vs Enhance Super Top-up Two
Medicare Select vs Reassure 3.0
Medicare Select vs Medicare Protect
Medicare Select vs Health AdvantEdge Plus
Medicare Select vs Activ One SAVR
Medicare Select vs Active Assure Diamond
Medicare Select vs Activ One VIP
Medicare Select vs Health Pulse Classic
Medicare Select vs Advantage
Medicare Select vs Mediclaim Insurance Policy
Medicare Select vs iHealth
Medicare Select vs Special Care Gold
Medicare Select vs Energy Gold Without Copay
Medicare Select vs Activ One Max
Medicare Select vs Smart Super Health
Medicare Select vs Classic
Medicare Select vs Activ One Vytl
Medicare Select vs Supreme
Medicare Select vs Freedom
Medicare Select vs Sarvah Pratham
Medicare Select vs Joy Today
Medicare Select vs Medi Classic
Medicare Select vs Activate Booster Plan B
Medicare Select vs Aspire Gold+
Medicare Select vs Health Gain
Medicare Select vs Aspire Platinum+
Medicare Select vs Plus Complete
Medicare Select vs Health Companion Family First Plan
Medicare Select vs Reassure 2.0 Platinum+
Medicare Select vs Reassure 3.0 Elite
Medicare Select vs Enhance Super Top-up One
Medicare Select vs Joy Tomorrow
Medicare Select vs Reassure 3.0 Select
Medicare Select vs Activ One VIP+
Medicare Select vs Red Carpet Senior Citizens
Medicare Select vs Super Surplus Gold
Medicare Select vs Health SuperCharge
Medicare Select vs Health Elite Plus
Medicare Select vs Medicare Premier
Medicare Select vs Family Health Optima
Medicare Select vs Health Companion Variant 2022
Medicare Select vs Health Companion Variant 3
Medicare Select vs Plus Youth
Medicare Select vs ProHealth Prime Advantage
Medicare Select vs Critical Illness Silver Plan
Medicare Select vs Health Premia Gold
Medicare Select vs Health Premia Platinum
Medicare Select vs Comprehensive
Medicare Select vs HeartBeat Enhanced
Medicare Select vs Reassure
Medicare Select vs Complete Health Insurance Health Shield Plus Plan
Medicare Select vs myHealth Suraksha Platinum
Medicare Select vs Health Recharge Super Top Up Plan
Medicare Select vs Supreme Value for Money
Medicare Select vs Supreme Enhance Two
Medicare Select vs Supreme Senior Super
Medicare Select vs Supreme Enhance
Medicare Select vs Reassure 2.0 Gold
Medicare Select vs Active Fit Preferred
Medicare Select vs LifeTime Health
Medicare Select vs Medicare
Medicare Select vs ProHealth Prime Active
Medicare Select vs ProHealth Prime Senior Elite
Medicare Select vs Advanced Top Up
Medicare Select vs Multiplier Health
Medicare Select vs Ultimate (Direct)
Medicare Select vs Young Star
Medicare Select vs Star Women Care Policy
Medicare Select vs Health Assurance
Medicare Select vs Family Plus
Medicare Select vs Sarvah Param
Medicare Select vs Optima Insurance
Medicare Select vs Smart Super Health Assure
Medicare Select vs Criti Shield Plus
Medicare Select vs Health Care Supreme Ultimo
Medicare Select vs Super Star
Medicare Select vs Reassure 3.0 Black
Medicare Select vs Health Guard Platinum
Medicare Select vs Health Guard Gold
Medicare Select vs Elevate (Direct)
Medicare Select vs Senior First Platinum
Medicare Select vs Extra Care Plus Super Top-up
Medicare Select vs Health Care Supreme Smart
Medicare Select vs Medi Classic Gold
Medicare Select vs Smart Health Pro
Medicare Select vs Optima Super Secure
Medicare Select vs Optima Secure Global
Medicare Select vs Special Care
Medicare Select vs Medicare LITE
Medicare Select vs NextGen
Medicare Select vs Health Shield 360
Medicare Select vs SecureHealth
Medicare Select vs Energy Silver With Copay
Medicare Select vs Supreme (Direct)
Medicare Select vs Plus
Medicare Select vs Complete Health Insurance Health Protect Plus Plan
Medicare Select vs myHealth Koti Suraksha
Medicare Select vs Senior
Medicare Select vs myHealth Suraksha Silver
Medicare Select vs Health Booster
Medicare Select vs Complete Health Insurance Health Shield
Medicare Select vs Cardiac Care Platinum
Medicare Select vs Royal Sundaram Lifeline Elite
Medicare Select vs HeartBeat Platinum
Medicare Select vs Supreme Enhance One
Medicare Select vs HeartBeat Gold
Medicare Select vs Health Companion Variant 2
Medicare Select vs Health Companion Variant 1
Medicare Select vs Aspire Titanium+
Medicare Select vs iHealth Plus
Medicare Select vs Reassure 3.0 Classic
Medicare Select vs Senior Health Advantage
Medicare Select vs Health Wallet
Medicare Select vs Elevate
Medicare Select vs Heart
Medicare Select vs Reassure 2.0 Titanium+
Medicare Select vs Diabetes Safe Plan A
Medicare Select vs Reassure 2.0 Bronze+
Medicare Select vs Young Star Silver
Medicare Select vs Enhance Super Top-up
Medicare Select vs Joy
Medicare Select vs Health Elite
Medicare Select vs Supreme Senior Health AdvantEdge
Medicare Select vs Health AdvantEdge
Medicare Select vs Supreme Super Saver
Medicare Select vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)