Insurance Plans Comparison
Star Medi Classic Gold vs TATA AIG Medicare Select
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedi Classic Gold
Medi Classic Gold
What Makes It Special:
An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.
Best For:
Individuals interested in tele-consultation and home care treatment benefits.
Customers looking for organ donor and domiciliary treatment coverage.
Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.
Customers looking for restoration benefits subject to policy conditions.
Individuals seeking individual 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
Review exclusions and waiting periods before purchasing the policy.
Understand the conditions governing automatic restoration and Super Restoration.
Check newborn baby coverage conditions and applicable limits.
Review treatment-specific limits, including modern treatment limits.
Check room-rent eligibility based on the selected Sum Insured.
Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.
Check the 24-month waiting period for specified diseases and procedures.
Review the 36-month waiting period for pre-existing diseases.
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
![]() Medi Classic Gold Health Insurance Plan VS VS |
![]() Medicare Select Health Insurance Plan |
| Room Rent |
|---|
Medi Classic Gold Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording. |
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 |
|---|
Medi Classic Gold Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording. |
VS VS |
Medicare Select No restriction on ICU room rent |
| Co-payment |
|---|
Medi Classic Gold A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms. |
VS VS |
Medicare Select Not available |
| Disease-wise sublimits |
|---|
Medi Classic Gold Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable limits. |
VS VS |
Medicare Select No |
| Cashless Healthcare Providers |
|---|
Medi Classic Gold Cashless treatment is available at eligible network hospitals, subject to pre-authorisation, hospital participation and policy conditions. |
VS VS |
Medicare Select 12,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Medi Classic Gold The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording. |
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 |
|---|
Medi Classic Gold Eligible daycare procedures are covered, subject to policy terms and applicable limits. |
VS VS |
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Medi Classic Gold Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording. |
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 |
|---|
Medi Classic Gold Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions. |
VS VS |
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medi Classic Gold Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit. |
VS VS |
Medicare Select No. However, available as an add-on |
| Initial Waiting Period |
|---|
Medi Classic Gold 30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms |
VS VS |
Medicare Select 30 days |
| Specific Waiting Period |
|---|
Medi Classic Gold 24 months for specified diseases and procedures, subject to policy terms. |
VS VS |
Medicare Select 2 years |
| PED Waiting Period |
|---|
Medi Classic Gold 36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease. |
VS VS |
Medicare Select 3 years |
| Modern Treatment |
|---|
Medi Classic Gold Covered subject to applicable policy limits and policy terms. |
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 |
|---|
Medi Classic Gold Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication. |
VS VS |
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
| Pre-Hospitalisation |
|---|
Medi Classic Gold Up to 30 days before hospitalisation, subject to policy terms. |
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 |
|---|
Medi Classic Gold Up to 60 days after discharge under the Gold Plan, subject to policy terms. |
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) |
|---|
Medi Classic Gold Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit. |
VS VS |
Medicare Select OPD expense is not included as part of base cover. However, available as an add-on |
| Deductible Option |
|---|
Medi Classic Gold Not established from the reviewed source. Verify the policy wording and schedule before publishing. |
VS VS |
Medicare Select Available as an option |
| Coverage Options |
|---|
Medi Classic Gold Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document. |
VS VS |
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
| Claim Settlement Ratio |
|---|
Medi Classic Gold Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source. |
VS VS |
Medicare Select 95.43% |
| Maternity Cover |
|---|
Medi Classic Gold Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording. |
VS VS |
Medicare Select Available |
Insurance Plans Comparison
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