Niva Bupa Health Insurance Platinum+ vs TATA AIG Medicare Plus

10,000+ Healthcare Providers

12046+ Healthcare Providers

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

Your sum insured increases by 100% every year, maximum up to 500%

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

No. However, available as an add-on

Yes

30 days

30 days

2 years

2 years

3 years

3 years

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

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

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

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

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

90.10%

86.50%

Not available

Not available

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

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

All room categories are covered

No capping on room rent or ICU charges.

Not available

Not available

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. 

Initial waiting period: 30 Days