TATA AIG Medicare Premier vs TATA AIG Medicare Plus

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

OPD expense is included

OPD expense is not included

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. 

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% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses

Not available

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

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 from the first policy year

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

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

Available as an option

Available

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

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

86.50%

86.50%

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

12,000+ Healthcare Providers

12046+ Healthcare Providers

Initial waiting period: 30 Days