Insurance Plans Comparison
Star Diabetes Safe Plan A 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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Diabetes Safe Plan A
Health Insurance Designed for People with Type I or Type II Diabetes
What Makes It Special:
Diabetes-Focused Health Insurance
Best For:
Eligible couples considering individual or floater coverage.
Customers who want outpatient benefits at network hospitals and diagnostic centres.
Individuals looking for hospitalisation cover for other illnesses and accidental injuries.
Customers seeking cover for eligible diabetes complications.
Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.
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
Understand the restoration benefit and its individual-policy restriction.
Review the room category and pre- and post-hospitalisation limits.
Check cataract and modern treatment sublimits.
Review the Sum Insured and outpatient benefit limits.
Check the waiting period for diabetes complications under Plan B.
Understand the medical screening requirement under Plan A.
Compare Plan A and Plan B.
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
Diabetes Safe Plan A Health Insurance Plan VS VS |
Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Diabetes Safe Plan A
|
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 |
|---|
Diabetes Safe Plan A Covered as part of eligible hospitalisation expenses, subject to policy terms. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Diabetes Safe Plan A Not specified. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Diabetes Safe Plan A Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications. |
VS VS |
Medicare Select No |
| Restoration Benefit |
|---|
Diabetes Safe Plan A 100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies. |
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 |
|---|
Diabetes Safe Plan A Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Cumulative Bonus |
|---|
Diabetes Safe Plan A Not specified. |
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 |
| Daycare Treatment |
|---|
Diabetes Safe Plan A Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Diabetes Safe Plan A Not specified. |
VS VS |
Medicare Select No. However, available as an add-on |
| AYUSH Treatment |
|---|
Diabetes Safe Plan A Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Diabetes Safe Plan A
|
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Diabetes Safe Plan A 24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Diabetes Safe Plan A 36 months for pre-existing diseases under applicable sections. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Diabetes Safe Plan A
|
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 |
|---|
Diabetes Safe Plan A Not specified. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Diabetes Safe Plan A Up to 30 days before hospital admission. |
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 |
|---|
Diabetes Safe Plan A Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation. |
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) |
|---|
Diabetes Safe Plan A Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Diabetes Safe Plan A Not specified. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Diabetes Safe Plan A Individual and Family Floater for self and spouse. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Diabetes Safe Plan A Insurer-level metric, not a policy benefit. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Diabetes Safe Plan A Not covered, except ectopic pregnancy as specified in the policy. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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Insurance Plans Comparison
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