Insurance Plans Comparison
TATA AIG Medicare vs ICICI Lombard Criti Shield Family Shield
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Cover specified hospital consumables and inpatient treatment abroad if you were diagnosed in India, restore the basic sum insured when that cover and the cumulative bonus are exhausted, and add a 50% bonus up to 100% after a claim-free year.
What Makes It Special:
Tata AIG MediCare is a comprehensive health insurance plan that provides coverage for inpatient hospitalisation, Day Care Treatment, pre and post-hospitalisation expenses, domiciliary treatment and AYUSH treatment. The policy also includes benefits such as automatic restoration of the Sum Insured, Cumulative Bonus, preventive health check-ups, second medical opinion and additional...
Best For:
Customers who value additional healthcare services such as preventive health check-ups and second medical opinions.
Individuals looking for additional protection through restoration and Cumulative Bonus benefits.
Customers who want coverage for domiciliary treatment and AYUSH treatment.
Families looking for health insurance with Family Floater coverage.
Individuals looking for comprehensive hospitalisation and Day Care Treatment coverage.
VS
Criti Shield Family Shield
Cover hospitalisation for specified infectious diseases, including listed vector-borne illnesses such as dengue and malaria, and personal accident benefits for death, disablement and accidental hospital treatment.
What Makes It Special:
ICICI Lombard Family Shield combines defined benefits for specified infectious diseases with personal accident and hospital daily cash benefits. Coverage includes selected vector-borne, viral, gastrointestinal and nervous system infections, along with rabies and tetanus. Additional benefits may be available depending on the options selected and the policy certificate.
Best For:
Customers who understand that this is a benefit-specific policy and not a substitute for comprehensive hospitalisation insurance.
Buyers who want to explore optional benefits such as broken bones or burns cover.
People who value fixed hospital daily cash benefits where selected.
Families seeking additional financial protection against eligible accidental injuries.
Buyers looking for defined benefits for specified infectious diseases.
Insurance Plans Comparison
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Quick Decision Guide
The policy also provides additional benefits such as preventive health check-ups, second medical opinion and other healthcare support, subject to the applicable limits and conditions.
Domiciliary Treatment is covered when the treatment exceeds three days and the applicable policy conditions are satisfied.
A 50% Cumulative Bonus is added after each claim-free policy year, up to a maximum of 100% of the Sum Insured, subject to policy conditions.
The policy provides automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to applicable conditions.
Consider Tata AIG MediCare if you want coverage for inpatient hospitalisation, Day Care Treatment, pre-hospitalisation and post-hospitalisation expenses.
If you need broad coverage for unrelated illnesses, surgeries and hospital bills, compare this policy with a comprehensive indemnity-based health insurance plan.
Review waiting periods carefully, particularly the 30-day waiting period for infectious disease benefits and the pre-existing disease restriction applicable to hospital daily cash benefits.
Review the personal accident benefit amounts and definitions of disability before relying on the policy for accident protection.
Confirm whether hospital daily cash benefits are included and check the applicable daily limits and eligibility conditions.
Check the list of covered infections and their claim requirements to confirm that the policy addresses your priorities.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
![]() Criti Shield Family Shield Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Criti Shield Family Shield
|
| ICU Charges |
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Medicare 4% of Sum Insured per day |
VS VS |
Criti Shield Family Shield ICU-related cash benefits may be available under selected hospital cash benefits; limits depend on the policy certificate. |
| Advanced Treatments |
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Medicare Information Unavailable |
VS VS |
Criti Shield Family Shield
|
| Co-payment |
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Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Criti Shield Family Shield Co payment is applicable as chosen by the insured. It allows the insured to opt for 10% or 20% co-payment. |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Criti Shield Family Shield Benefits are defined for specified infections and accident-related events; applicable limits are benefit-specific and should be confirmed in the policy certificate. |
| Waiting Period |
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Medicare
|
VS VS |
Criti Shield Family Shield Information Unavailable |
| Cashless Healthcare Providers |
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Medicare 11,000+ Cashless Hospitals |
VS VS |
Criti Shield Family Shield 10,000+ Healthcare Providers |
| Restoration Benefit |
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Medicare Available Once for Road Traffic Accident |
VS VS |
Criti Shield Family Shield No restoration benefit verified. |
| Daycare Treatment |
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Medicare Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre. |
VS VS |
Criti Shield Family Shield Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery or chemotherapy |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Criti Shield Family Shield No cumulative bonus benefit verified. The published brochure lists a 5% renewal discount and a family discount of up to 7.5%. |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Criti Shield Family Shield . |
| Consumable Cover |
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Medicare Not Covered as a Separate Benefit |
VS VS |
Criti Shield Family Shield Not specified. |
| Initial Waiting Period |
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Medicare 30 Days |
VS VS |
Criti Shield Family Shield 30 days for specific infectious disease and hospital daily cash benefits; 0 days for personal accident benefits, as stated in the published brochure. |
| Specific Waiting Period |
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Medicare 24 Months |
VS VS |
Criti Shield Family Shield 30 days for specific infectious disease benefits. |
| PED Waiting Period |
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Medicare 36 Months |
VS VS |
Criti Shield Family Shield Two-year pre-existing disease restriction specified for Hospital Daily Cash Benefit; applicability to other benefits must be checked in the policy wording. |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Criti Shield Family Shield Not specified as a standalone benefit in the reviewed product information. |
| Annual Health Checkup |
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Medicare Available as per Policy Terms |
VS VS |
Criti Shield Family Shield Not specified. |
| Pre-Hospitalisation |
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Medicare Covered for Up to 30 Days |
VS VS |
Criti Shield Family Shield Accidental pre-hospitalisation expenses may be covered under the applicable accident benefit; a general time limit was not verified. |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Criti Shield Family Shield Accidental pre- and post-hospitalisation expenses may be covered under the applicable accident benefit; a general post-hospitalisation limit was not verified. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Criti Shield Family Shield No general OPD benefit verified. Accident-related diagnostic tests may be covered under the applicable benefit. |
| Deductible Option |
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Medicare Not Specified |
VS VS |
Criti Shield Family Shield Any deductible or loss-sharing provision must be confirmed in the policy certificate. |
| Coverage Options |
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Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Criti Shield Family Shield Specific infectious disease benefits, personal accident benefits, hospital daily cash benefits and selected additional benefits. |
| Claim Settlement Ratio |
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Medicare Not Specified |
VS VS |
Criti Shield Family Shield FY 2024-25: ~84% |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Criti Shield Family Shield Maternity and pregnancy-termination expenses are listed among exclusions. |
Insurance Plans Comparison
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