Insurance Plans Comparison
TATA AIG Medicare Select vs Star Family Health Optima
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
Family Health Optima
Family Floater Health Insurance with Hospitalisation Benefits
What Makes It Special:
Family Health Insurance
Best For:
Customers comparing restoration and loyalty bonus benefits.
Families wanting eligible AYUSH treatment and preventive health check-ups.
Customers seeking pre- and post-hospitalisation benefits.
Families looking for hospitalisation and daycare coverage.
Families seeking health insurance under a single floater Sum Insured.
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
Covers daycare treatments without overnight stay.
Pre- and post-hospitalization expenses included.
Safeguards against critical illness and emergencies.
Comprehensive coverage for hospitalization and treatment.
Check the policy limits for specific treatments and benefits.
Review pre- and post-hospitalisation coverage.
Check the restoration and loyalty bonus conditions.
Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.
Review the 30-day initial waiting period.
Check the shared accommodation benefit and applicable limits.
Review the 20% co-payment applicable to insured persons aged 61 and above at entry.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
![]() Family Health Optima 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 |
Family Health Optima
|
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Family Health Optima Covered as part of eligible hospitalisation expenses, subject to policy terms. |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Family Health Optima Sublimits apply to specified benefits and treatments, subject to policy terms. |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Family Health Optima 20% of each claim for insured persons whose age at entry is 61 years or above. |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Family Health Optima Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
| 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 |
Family Health Optima 100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions. |
| 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 |
Family Health Optima Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits. |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Family Health Optima Eligible daycare procedures are covered, subject to policy terms. |
| Consumable Cover |
|---|
Medicare Select No. However, available as an add-on |
VS VS |
Family Health Optima Not specified. |
| AYUSH Treatment |
|---|
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Family Health Optima Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Family Health Optima
|
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Family Health Optima 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Family Health Optima 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Family Health Optima
|
| Annual Health Checkup |
|---|
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Family Health Optima Preventive health check-up at network providers, according to the applicable Sum Insured and package. |
| 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 |
Family Health Optima Covered for up to 60 days before hospital admission. |
| 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 |
Family Health Optima Covered for up to 90 days after discharge. |
| 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 |
Family Health Optima Not specified. |
| Deductible Option |
|---|
Medicare Select Available as an option |
VS VS |
Family Health Optima Not specified. |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Family Health Optima Family Floater. |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Family Health Optima Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
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Insurance Plans Comparison
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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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