Care Insurance Enhance 1 vs TATA AIG Medicare Plus

No

No

No restriction on ICU room rent

No restriction on ICU room rent

OPD expense is not included

OPD expense is not included

Not available

Not available

Available

Available

Available coverage options: 20L to 1cr

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Not available

Your sum insured increases by 10% every year, maximum up to 100%

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

Yes

Yes

30 days

30 days

2 years

2 years

3 years

3 years

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Health check-up is available once every policy year, from day 1 of the policy

Health check-up is available once every policy year, from day 1 of the policy

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

87.10%

86.50%

Normal:  No limit on room rent.

No capping on room rent or ICU charges.

Robotic surgery

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

Not available

.

Initial waiting period: 30 Days

Access to 24,800+ network hospitals for cashless treatment.

12046+ Healthcare Providers

.

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. 

.

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.