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Insurance Plans Comparison

Star Women Care vs TATA AIG Medicare Senior

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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What Makes It Special:

Star Women Care is a specialized health plan designed for women and their families. It offers coverage from ₹5 lakh to ₹1 crore with benefits like maternity, newborn care, preventive check-ups, OPD consultations, and wellness rewards. The plan also includes coverage for surrogacy, oocyte donation, modern treatments, AYUSH, and organ...

Best For:

  • Wellness-linked, preventive care insurance

  • Automatic sum insured restoration

  • Premium maternity and newborn care

  • Comprehensive women’s family health protection

  • (4-5 word description of the type of plan)

VS
TATA AIG

Medicare 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

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

  • You prefer no medical check-up before purchase

  • You enjoy earning wellness points and premium discounts

  • You need surrogacy and oocyte donor coverage

  • You want automatic sum insured restoration after a claim

  • You value OPD consultations and yearly health check-ups

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Women Care
Women Care

Health Insurance Plan

VS
Medicare Senior
Medicare Senior

Health Insurance Plan

Room Rent

Women Care

Up to 1% of SI (₹5L); Single AC up to ₹25L; any room above ₹50L

VS

Medicare Senior

Covered according to the room category specified in the Policy Schedule.

ICU Charges

Women Care

No restriction on ICU room rent

VS

Medicare Senior

Covered as part of eligible inpatient hospitalisation expenses, subject to the Sum Insured and policy terms.

Disease-wise sublimits

Women Care

No

VS

Medicare Senior

Applicable limits may apply to specific benefits and treatments as specified in the policy.

Co-payment

Women Care

Yes (subject to co-payment of 10% for insured person whose age at the time of entry is 61 years and above)

VS

Medicare Senior

10% of the admissible claim amount applies when the insured chooses a room category higher than the eligible room category.

Cashless Healthcare Providers

Women Care

13000+ Healthcare Providers

VS

Medicare Senior

Cashless treatment available at network providers, subject to pre-authorisation and applicable policy conditions.

Restoration Benefit

Women Care

100% once after full/partial utilization in a year

VS

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.

Daycare Treatment

Women Care

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Medicare Senior

Listed Day Care Procedures are covered as specified under the policy.

Cumulative Bonus

Women Care

20% each year, up to 100%

VS

Medicare Senior

50% of Sum Insured for every claim-free year, up to a maximum of 100% of Sum Insured.

AYUSH Treatment

Women Care

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Medicare Senior

Covered for eligible inpatient treatment in an AYUSH Hospital.

Consumable Cover

Women Care

Yes

VS

Medicare Senior

Covered for specified consumables as per the policy terms.

Initial Waiting Period

Women Care

30 days.

VS

Medicare Senior

30 days, except for claims arising from accidents

Specific Waiting Period

Women Care

2 years

VS

Medicare Senior

24 months for specified diseases and procedures, subject to applicable policy terms.

PED Waiting Period

Women Care

3 years

VS

Medicare Senior

36 months of continuous coverage.

Modern Treatment

Women Care

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Medicare Senior

Covered as per applicable policy terms and conditions.

Annual Health Checkup

Women Care

Health check-up is available once every policy year, from day 1 of the policy

VS

Medicare Senior

Available once after every two continuous claim-free policy years, subject to the applicable limit and policy conditions.

Pre-Hospitalisation

Women Care

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Medicare Senior

Covered for up to 60 days before hospitalisation.

Post-Hospitalisation

Women Care

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Medicare Senior

Covered for up to 90 days after discharge.

Outpatient Department Cover (OPD Expense)

Women Care

OPD is available

VS

Medicare Senior

Not covered as a general base OPD benefit.

Deductible Option

Women Care

Not Available


VS

Medicare Senior

Not specified as a standard deductible option.

Coverage Options

Women Care

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L,₹1 Cr


VS

Medicare Senior

Individual and Family Floater options, subject to the Sum Insured options available under the policy.

Claim Settlement Ratio

Women Care

82.31%

VS

Medicare Senior

Not specified in the supplied policy document.

Maternity Cover

Women Care

Available

VS

Medicare Senior

Not covered under the base policy.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our Expert Consultation?

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Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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