Insurance Plans Comparison
TATA AIG Medicare vs Star Health Gain
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
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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
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.
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Medicare Health Insurance Plan VS VS |
![]() Health Gain Health Insurance Plan |
| Room Rent |
|---|
Medicare
|
VS VS |
Health Gain
|
| ICU Charges |
|---|
Medicare 4% of Sum Insured per day |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Medicare No Specific Mandatory Co-payment Mentioned |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Medicare Applicable to Specified Treatments |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Waiting Period |
|---|
Medicare
|
VS VS |
Health Gain Information Unavailable |
| Cashless Healthcare Providers |
|---|
Medicare 11,000+ Cashless Hospitals |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Medicare Available Once for Road Traffic Accident |
VS VS |
Health Gain Not specified. |
| 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 |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Cumulative Bonus |
|---|
Medicare 5% of Sum Insured per claim-free year |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Medicare Cover for expenses incurred for treatment as in-patient in AYUSH Hospital. |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Consumable Cover |
|---|
Medicare Not Covered as a Separate Benefit |
VS VS |
Health Gain Not specified. |
| Initial Waiting Period |
|---|
Medicare 30 Days |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Medicare 24 Months |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Medicare 36 Months |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Medicare Covered up to 25% of Sum Insured |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Medicare Available as per Policy Terms |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Medicare Covered for Up to 30 Days |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Medicare Covered for Up to 60 Days |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Medicare Not Covered under Base Policy |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Medicare Not Specified |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Medicare ₹1 Lakh to ₹10 Lakh |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Medicare Not Specified |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Medicare Not Covered |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
Having questions? We've got answers. Explore our FAQs to find the information you need.
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