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Health Insurance · head to head

Mediclaim Policy vs MediCare Select

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Quick verdict

  • Mediclaim Policy is better for high sum insured available.
  • MediCare Select is better for longer pre- and post-hospital cover.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Mediclaim Policy
MediCare Select
Cover
Plan type
Individual
Individual and family floater
Sum insured options
1 lakh, 2 lakh, 3 lakh, 5 lakh, 8 lakh, 10 lakh, 12 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 3 crore, 5 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured
500 lakh
300 lakh
Entry age
3 months to 65 years
From 0 days (no maximum stated)
Room rent
1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)
Single Private Room
Co-payment
20% if insured from Zone 2 is treated in Zone 1; none otherwise
None
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
—
24 months
Benefits
Pre-hospitalisation
30 days
90 days
Post-hospitalisation
60 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Reinstatement of Sum Insured once exhausted, only where Sum Insured is Rs. 5 lakh or more; effective after discharge for subsequent hospitalisation for unrelated illness/injury
Restore Infinity Plus: unlimited restorations of base sum insured during a policy year
No-claim bonus
25% at each claim-free renewal, maximum 50% (SI up to 15L) or 100% (SI 25L to 5Cr); reduced at same rate on claim
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
Optional cover: 10% of SI max Rs 1,00,000 per policy year, 2-year waiting period
OPD
Not covered
Not covered
Premium
Sample annual premium
₹11,479
—
Sample premium is for
Individual, age 30, Sum Insured 10 lakh, 1-year annual premium, Zone 1 (Maharashtra and Gujarat - the higher-priced zone; Zone 2 age 30 10L = 9,779), excluding GST (chart notes Nil GST w.e.f. 22 Sept 2025)
—
Insurer
Health incurred claim ratio (insurer)
100.98%
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)
—
13,000+
IRDAI UIN
NIAHLIP25040V102425
TATHLIP27061V022627

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

Mediclaim Policy

  • Pro: Sum insured up to ₹5 crore, higher than 88% of the 52 health insurance plans on Comparezi that state it
  • Con: Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Con: Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)
  • Con: Co-payment: 20% if insured from Zone 2 is treated in Zone 1; none otherwise
  • Con: Room rent capped: 1% of Sum Insured per day, maximum Rs. 15,000 per day (Basic Plan up to Rs 15L)

MediCare Select

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
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