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Super Health - Elite vs MediCare

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Tata AIG

MediCare

Premium depends on your profile

Quick verdict

  • Super Health - Elite is better for existing illness covered sooner.

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

Specifications side by side

Spec
Super Health - Elite
MediCare
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
25 lakh
20 lakh
Entry age
From 91 days (no maximum stated)
91 days to 65 years
Room rent
Actuals up to Sum Insured
No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule)
Co-payment
None (optional 10%/20%)
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
24 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
ReInsure Benefit: unlimited up to 100% of Base Sum Insured (related and unrelated illness)
Additional amount equivalent to base Sum Insured, restored once during the policy period
No-claim bonus
Enhanced Cumulative Bonus: 50% of Base Sum Insured per claim-free year up to 100% (reduced in same proportion if claim settled)
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)
82.19%
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)
18,000+
13,000+
IRDAI UIN
SBIHLIP24141V022324
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

Super Health - Elite

  • Pro: Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • 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)
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