Insurance Plans Comparison
TATA AIG Medicare Senior vs Care Advantage
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreMedicare Senior
Medicare Senior
What Makes It Special:
Comprehensive health insurance coverage with hospitalization, day care, pre and post-hospitalization, AYUSH, restoration and additional health benefits.
Best For:
Customers looking for additional protection through benefits such as global cover, consumables and second medical opinion
Individuals seeking additional benefits such as restoration, Cumulative Bonus and preventive health check-ups
Customers looking for AYUSH treatment and domiciliary hospitalization coverage
Individuals seeking inpatient and Day Care Treatment coverage
Senior citizens looking for comprehensive health insurance coverage
VS
Advantage
Care Advantage Health Insurance
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
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
Consider Before Buying: Choosing a room category higher than the eligible category mentioned in the policy schedule results in the policyholder bearing 10% of the admissible claim amount.
Consider Before Buying: A 36-month waiting period applies to pre-existing diseases and a 24-month waiting period applies to specified diseases and procedures, subject to the policy terms.
Reasons to Consider: A 50% Cumulative Bonus is added after every claim-free policy year, up to a maximum of 100% of the Sum Insured.
Reasons to Consider: The policy provides automatic restoration of the Basic Sum Insured once during the policy period, subject to applicable conditions.
Reasons to Consider: The policy covers inpatient treatment, Day Care Treatment, pre and post-hospitalization expenses, AYUSH treatment and domiciliary hospitalization.
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Senior Health Insurance Plan VS VS |
Advantage Health Insurance Plan |
| Room Rent |
|---|
Medicare Senior Covered according to the room category specified in the Policy Schedule. |
VS VS |
Advantage All room categories are covered |
| ICU Charges |
|---|
Medicare Senior Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms. |
VS VS |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Medicare Senior 10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category. |
VS VS |
Advantage Available as an option |
| Disease-wise sublimits |
|---|
Medicare Senior Applicable limits may apply to specific benefits and treatments as specified in the policy. |
VS VS |
Advantage No |
| Cashless Healthcare Providers |
|---|
Medicare Senior Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions. |
VS VS |
Advantage 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare Senior Basic Sum Insured is automatically restored once during the policy period after exhaustion of the Sum Insured and accrued Cumulative Bonus, subject to applicable conditions. |
VS VS |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Medicare Senior 50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured. |
VS VS |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| Daycare Treatment |
|---|
Medicare Senior Listed Day Care Procedures are covered as specified under the policy. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Medicare Senior Covered for specified consumables as per the policy terms. |
VS VS |
Advantage No. However, available as an add-on |
| AYUSH Treatment |
|---|
Medicare Senior Covered for eligible inpatient treatment in an AYUSH Hospital. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Medicare Senior 30 days, except for claims arising from accidents |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
Medicare Senior 24 months for specified diseases and procedures, subject to applicable policy terms. |
VS VS |
Advantage 2 years |
| PED Waiting Period |
|---|
Medicare Senior 36 months of continuous coverage. |
VS VS |
Advantage 3 years |
| Modern Treatment |
|---|
Medicare Senior Covered as per applicable policy terms and conditions. |
VS VS |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Senior Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions. |
VS VS |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
Medicare Senior Covered for up to 60 days before hospitalisation. |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Senior Covered for up to 90 days after discharge. |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Senior Not covered as a general base OPD benefit. |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Medicare Senior Not specified as a standard deductible option. |
VS VS |
Advantage Available as an option |
| Coverage Options |
|---|
Medicare Senior Individual and Family Floater options, subject to the Sum Insured options available under the policy. |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Medicare Senior Not specified in the supplied policy document. |
VS VS |
Advantage 96% |
| Maternity Cover |
|---|
Medicare Senior Not covered under the base policy. |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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