Insurance Plans Comparison
TATA AIG Medicare Select vs Star Medi Classic
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
Medi Classic
Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.
What Makes It Special:
Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...
Best For:
Customers interested in optional Patient Care or Hospital Cash benefits.
Individuals looking for preventive health check-up benefits.
Customers who want pre and post-hospitalisation coverage.
People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.
Individuals looking for individual health insurance coverage.
Insurance Plans Comparison
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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.
Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.
Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.
The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.
Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.
Choose this plan if you need individual health insurance rather than a family floater.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Select Health Insurance Plan VS VS |
![]() Medi Classic 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 |
Medi Classic 2% of Sum Insured per day, subject to a maximum of ₹5,000 per day. |
| ICU Charges |
|---|
Medicare Select No restriction on ICU room rent |
VS VS |
Medi Classic Covered as per the applicable policy terms and limits. |
| Disease-wise sublimits |
|---|
Medicare Select No |
VS VS |
Medi Classic Modern treatments and cataract treatment are subject to applicable limits. |
| Co-payment |
|---|
Medicare Select Not available |
VS VS |
Medi Classic Not specified in the retrieved source. |
| Cashless Healthcare Providers |
|---|
Medicare Select 12,000+ Healthcare Providers |
VS VS |
Medi Classic Not specified in the retrieved source. |
| 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 |
Medi Classic Not specified in the retrieved source. |
| 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 |
Medi Classic 5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured. |
| Daycare Treatment |
|---|
Medicare Select Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Medi Classic Not specified in the retrieved source. |
| Consumable Cover |
|---|
Medicare Select No. However, available as an add-on |
VS VS |
Medi Classic Not specified in the retrieved source. |
| AYUSH Treatment |
|---|
Medicare Select Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
Medi Classic Not specified in the retrieved source. |
| Initial Waiting Period |
|---|
Medicare Select 30 days |
VS VS |
Medi Classic Not specified in the retrieved source. |
| Specific Waiting Period |
|---|
Medicare Select 2 years |
VS VS |
Medi Classic Not specified in the retrieved source. |
| PED Waiting Period |
|---|
Medicare Select 3 years |
VS VS |
Medi Classic |
| Modern Treatment |
|---|
Medicare Select Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
Medi Classic Covered, subject to applicable limits and policy terms. |
| Annual Health Checkup |
|---|
Medicare Select Health checkup is not included as part of base cover. However, available as an add-on |
VS VS |
Medi Classic Preventive health check-up is covered as per policy terms. |
| 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 |
Medi Classic Covered for 30 days. |
| 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 |
Medi Classic Covered for 60 days, subject to the applicable limits and conditions. |
| 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 |
Medi Classic Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions. |
| Deductible Option |
|---|
Medicare Select Available as an option |
VS VS |
Medi Classic Not specified in the retrieved source. |
| Coverage Options |
|---|
Medicare Select Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr |
VS VS |
Medi Classic Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh. |
| Claim Settlement Ratio |
|---|
Medicare Select 95.43% |
VS VS |
Medi Classic Not specified in the retrieved source. |
| Maternity Cover |
|---|
Medicare Select Available |
VS VS |
Medi Classic Not specified in the retrieved source. |
Insurance Plans Comparison
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Insurance Plans Comparison
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