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Insurance Plans Comparison

TATA AIG Medicare Protect vs ICICI Lombard Complete Health Insurance Health Shield

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

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TATA AIG

Medicare Protect

Cover specified consumables and more than 540 listed day-care procedures, add a 10% cumulative bonus each claim-free year up to 100%, and pay 10% of an admissible claim if you take a room above shared accommodation.

What Makes It Special:

TATA AIG MediCare Protect is a comprehensive health insurance plan designed to cover eligible medical expenses arising from illness, disease and accidental injury. The plan provides In-Patient Treatment, Day Care Procedures, pre and post-hospitalisation coverage, AYUSH treatment, domiciliary treatment and organ donor expenses, along with benefits such as restoration, health...

Best For:

  • Customers looking for additional protection through benefits such as Consumables Benefit and the optional Accidental Death Benefit.

  • Individuals who want coverage for AYUSH treatment, domiciliary treatment and eligible organ donor expenses.

  • Customers looking for additional support through restoration, preventive health check-ups and compassionate travel benefits.

  • Families looking for health insurance with Family Floater coverage and shared Sum Insured benefits.

  • Individuals looking for comprehensive coverage for hospitalisation and Day Care Procedures.

VS
ICICI Lombard

Complete Health Insurance Health Shield

Add 10% to the sum insured after every claim-free year, up to 50%, and cover organ-donor expenses up to ₹10 lakh, with domiciliary hospitalisation and air ambulance paid over and above the sum insured.

What Makes It Special:

Health Shield is a variant listed under ICICI Lombard Complete Health Insurance. Its benefits include inpatient hospitalisation, eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit that can replenish eligible cover after previous claims. The policy also lists a cumulative bonus and wellness services. Coverage...

Best For:

  • Customers who may use the policy's wellness services and preventive health-check-up facilities.

  • Buyers who want eligible daycare and inpatient AYUSH treatment covered.

  • Customers who value a cumulative bonus for claim-free years.

  • Individuals or families comparing different base sum insured options.

  • Buyers looking for hospitalisation cover with a reset benefit for subsequent eligible claims.

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

TATA AIG Medicare Protect

  • If you want additional protection against specified medical consumables or accidental death, the applicable benefits can be available subject to the policy schedule and conditions.

  • The plan provides a preventive health check-up benefit after every three continuous claim-free policy years, subject to the applicable limit and conditions.

  • Consider the plan if access to AYUSH treatment, domiciliary treatment and eligible organ donor expenses is important to you.

  • The plan may be suitable if you want automatic restoration of the Basic Sum Insured after the Sum Insured and accrued Cumulative Bonus are exhausted, subject to the applicable conditions.

  • Consider MediCare Protect if you want coverage for hospitalisation along with pre-hospitalisation, post-hospitalisation and listed Day Care Procedures.

ICICI Lombard Complete Health Insurance Health Shield

  • Verify that the Health Shield variant is still available and that the quoted UIN matches the policy document before purchase.

  • Compare the cataract sub-limit with your expected needs, especially if selecting a lower sum insured.

  • Check the 24-month PED and specified-disease waiting periods against your medical history.

  • Review the reset rules carefully, including the restrictions on using reset cover for the same illness.

  • Confirm the available sum insured and room-rent limit in the policy schedule before choosing the plan.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Protect
Medicare Protect

Health Insurance Plan

Brochure

Policy Wording

VS
Complete Health Insurance Health Shield
Complete Health Insurance Health Shield

Health Insurance Plan

Brochure

Room Rent

Medicare Protect

Normal: Shared Accommodation

VS

Complete Health Insurance Health Shield

Normal: Health Shield offers room rent and ICU coverage without sub-limits, ensuring full financial support for hospitalization, including intensive care expenses.

Advanced Treatments

Medicare Protect

Covered

VS

Complete Health Insurance Health Shield

Covers advanced treatments, including robotic surgeries, stem cell therapy, immunotherapy, and modern cancer treatments

ICU Charges

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Covered under eligible inpatient hospitalisation, subject to policy terms.

Co-payment

Medicare Protect

10% co-payment on admissible claim amount

VS

Complete Health Insurance Health Shield

10% of copay will be applied to every admissible claim.

Disease-wise sublimits

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

Waiting Period

Medicare Protect

Initial Waiting Period: 30 Days (except accidents)

Pre-existing Disease Waiting Period: 48 Months

VS

Complete Health Insurance Health Shield

Information Unavailable

Cashless Healthcare Providers

Medicare Protect

Cashless facility available at network hospitals

VS

Complete Health Insurance Health Shield

10,896+ hospitals across India.

Restoration Benefit

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Unlimited Reset Benefit is listed; reset does not trigger on the first claim and remains subject to illness, insured-person and other policy conditions.

Daycare Treatment

Medicare Protect

Covered

VS

Complete Health Insurance Health Shield

Covered under the policy. 

Cumulative Bonus

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

10% of annual sum insured per claim-free year, up to 50%; accumulated bonus reduces by 10% of annual sum insured following a claim, as specified in the policy.

AYUSH Treatment

Medicare Protect

Covered

VS

Complete Health Insurance Health Shield

Covered under this policy

Consumable Cover

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield



Initial Waiting Period

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

30 days for illnesses; injury-related hospitalisation is excepted.

Specific Waiting Period

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

24 months for specified illnesses and treatments.

PED Waiting Period

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

24 months for declared and accepted pre-existing diseases.

Modern Treatment

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Not verified as a separately defined benefit in the reviewed Health Shield document.

Annual Health Checkup

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Health-check-up coupon each policy year, up to 2 coupons per year for floater policies.

Pre-Hospitalisation

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 30 days.

Post-Hospitalisation

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Up to 60 days.

Outpatient Department Cover (OPD Expense)

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Wellness points may be redeemable for eligible outpatient expenses; a fixed comprehensive OPD limit was not verified.

Deductible Option

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Not verified in the reviewed Health Shield document.

Coverage Options

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Individual or family floater; listed sum insured options from ₹3 lakh to ₹50 lakh.

Claim Settlement Ratio

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

FY 2024-25: 83.65%

Maternity Cover

Medicare Protect

Information Unavailable

VS

Complete Health Insurance Health Shield

Excluded under the reviewed policy wording, except for stated policy exceptions such as ectopic pregnancy.

Insurance Plans Comparison

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

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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

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

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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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