HDFC Ergo Optima Secure vs TATA AIG Medicare Plus

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr

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

95%

86.50%

All room categories are covered

No capping on room rent or ICU charges.

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

Not available

Not available

15000+ Healthcare Providers

12046+ Healthcare Providers

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

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 AYUSH treatment expenses up to your annual sum insured during the policy period

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

No restriction on ICU room rent

No restriction on ICU room rent

No

No

Yes, your sum insured restores to 100% once every policy year

Not available

Your sum insured increases by 50% every year, maximum up to 300%

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

Health check-up is available after the first policy year

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 180 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

OPD expense is not included

OPD expense is not included

Available as an option

Available

No. However, available as an add-on

Not available

Initial waiting period: 30 Days