Insurance Plans Comparison
TATA AIG Medicare vs Niva Bupa Aspire Titanium+
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Tata AIG Medicare
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
Aspire Titanium+
Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.
What Makes It Special:
Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.
Best For:
Buyers who want optional OPD, consumables or international treatment benefits where available.
People planning ahead for eligible maternity-related expenses.
Families looking for comprehensive hospitalisation coverage.
Individuals who want premiums linked to their entry age until a claim is paid.
People seeking high carry-forward coverage over multiple policy years.
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
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.
Review room eligibility, co-payment, deductible and optional add-ons before buying.
Compare the PED and specific-disease waiting periods applicable to your selected schedule.
Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.
Review the Lock the Clock+ conditions to understand when premiums may change.
Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
Aspire Titanium+ Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Aspire Titanium+ All room categories are covered |
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
Aspire Titanium+ No restriction on ICU room rent |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Aspire Titanium+ Available as an option |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Aspire Titanium+ No |
| Waiting Period |
|---|
Medicare
|
VS VS |
Aspire Titanium+ Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
Aspire Titanium+ 10,000+ Healthcare Providers |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
Aspire Titanium+ Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Daycare Treatment |
|---|
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 |
Aspire Titanium+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Aspire Titanium+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Aspire Titanium+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
Aspire Titanium+ No. However, available as an add-on |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
Aspire Titanium+ 30 days |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
Aspire Titanium+ 2 years |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
Aspire Titanium+ 3 years |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Aspire Titanium+ Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
Aspire Titanium+ Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
Aspire Titanium+ You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Aspire Titanium+ You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Aspire Titanium+ 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 Not Specified |
VS VS |
Aspire Titanium+ Available as an option |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Aspire Titanium+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
Aspire Titanium+ 92.02% |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Aspire Titanium+ Available |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
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