IFFCO Tokio
Family Health Protector
Premium depends on your profile
Health Insurance · head to head
Family Health Protector vs MediCare
Tata AIG
MediCare
Premium depends on your profile
Specifications side by side
Spec
Family Health Protector
MediCare
Cover
Plan type
Family floater
Individual and family floater
Sum insured options
1.5 lakh, 2 lakh, 2.5 lakh, 3 lakh, 3.5 lakh, 4 lakh, 4.5 lakh, 5 lakh, 6 lakh, 7 lakh, 8 lakh, 9 lakh, 10 lakh, 11 lakh, 12 lakh, 13 lakh, 14 lakh, 15 lakh, 16 lakh, 17 lakh, 18 lakh, 19 lakh, 20 lakh, 21 lakh, 22 lakh, 23 lakh, 24 lakh, 25 lakh, 26 lakh, 27 lakh, 28 lakh, 29 lakh, 30 lakh
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
30 lakh
20 lakh
Entry age
1 day (dependent child) to 65 years
91 days to 65 years
Room rent
No capping for SI Rs 7 lakh and above; below Rs 7 lakh: 1.50% of SI per day (class A cities) / 1.25% (other cities)
No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule)
Co-payment
None (optional co-payment)
None (10% if admitted to a room category higher than the eligible category)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Reinstatement of Basic Sum Insured to the extent of claim paid; free for first claim in policy year (SI Rs 3 lakh and above)
Additional amount equivalent to base Sum Insured, restored once during the policy period
No-claim bonus
Cumulative Bonus 25% of basic SI for first claim-free renewal, then 10% per claim-free year, max 100%
Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
Maternity
Not covered
Not covered
OPD
Not covered
Not covered
Insurer
Health incurred claim ratio (insurer)
83.74%
76.24%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
10000+
13,000+
IRDAI UIN
IFFHLIP26042V062526
TATHLIP26053V042526
A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.
Pros and cons
Family Health Protector
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap
MediCare
- Pro: No co-payment on claims
- Pro: No room-rent cap
- Con: Lower maximum sum insured than 82% of the 52 health insurance plans on Comparezi that state it (₹20 lakh)