Oneassure

Partner with us

Insurance Plans Comparison

Star Super Surplus Gold vs TATA AIG Medicare

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

Read more
Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

VS
TATA AIG

Medicare

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.

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

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

TATA AIG Medicare

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

VS
Medicare
Medicare

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Super Surplus Gold

Single Private A/C Room


VS

Medicare

  1. Normal: 2% of the sum insured per day
  2. ICU: 4% of the sum insured per day
ICU Charges

Super Surplus Gold

Covered as part of hospitalisation

VS

Medicare

4% of Sum Insured per day

Co-payment

Super Surplus Gold

Not specified as a standard co-payment

VS

Medicare

No Specific Mandatory Co-payment Mentioned

Disease-wise sublimits

Super Surplus Gold

Specific limits and defined limits apply


VS

Medicare

Applicable to Specified Treatments

Waiting Period

Super Surplus Gold

Information Unavailable

VS

Medicare

  1. Initial Waiting Periods: 30 Days
  2. Specific Diseases/procedures: 24 Months
  3. Pre-Existing Diseases: 36 Months
Cashless Healthcare Providers

Super Surplus Gold

Cashless treatment through network hospitals

VS

Medicare

11,000+ Cashless Hospitals

Restoration Benefit

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


VS

Medicare

Available Once for Road Traffic Accident

Cumulative Bonus

Super Surplus Gold

Not specified


VS

Medicare

5% of Sum Insured per claim-free year

Daycare Treatment

Super Surplus Gold

All daycare procedures covered

VS

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.

Consumable Cover

Super Surplus Gold

Not specified

VS

Medicare

Not Covered as a Separate Benefit

AYUSH Treatment

Super Surplus Gold

Covered up to Sum Insured

VS

Medicare

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Initial Waiting Period

Super Surplus Gold

30 Days, subject to policy terms


VS

Medicare

30 Days

Specific Waiting Period

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


VS

Medicare

24 Months

PED Waiting Period

Super Surplus Gold

12 Months for Gold Plan PEDs

VS

Medicare

36 Months

Modern Treatment

Super Surplus Gold

Covered subject to applicable limits

VS

Medicare

Covered up to 25% of Sum Insured

Annual Health Checkup

Super Surplus Gold

Not specified

VS

Medicare

Available as per Policy Terms

Pre-Hospitalisation

Super Surplus Gold

Up to 60 Days


VS

Medicare

Covered for Up to 30 Days

Post-Hospitalisation

Super Surplus Gold

Up to 90 Days

VS

Medicare

Covered for Up to 60 Days

Outpatient Department Cover (OPD Expense)

Super Surplus Gold

Not a standard OPD benefit

VS

Medicare

Not Covered under Base Policy

Deductible Option

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


VS

Medicare

Not Specified

Coverage Options

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


VS

Medicare

₹1 Lakh to ₹10 Lakh

Claim Settlement Ratio

Super Surplus Gold

Not specified

VS

Medicare

Not Specified

Maternity Cover

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


VS

Medicare

Not Covered

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Super Surplus Gold vs Optima Secure

Super Surplus Gold vs Super Mediclaim

Super Surplus Gold vs Health Recharge

Super Surplus Gold vs Cancer Cover Activ Cancer Secure Plan

Super Surplus Gold vs Optima Secure Plus

Medicare vs Optima Secure

Medicare vs Super Mediclaim

Medicare vs Health Recharge

Medicare vs Cancer Cover Activ Cancer Secure Plan

Medicare vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Super Surplus Gold Vs Medicare

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.