Tata AIG
MediCare
Premium depends on your profile
Health Insurance · head to head
MediCare vs Health Insurance (Gold)
Premium depends on your profile
Specifications side by side
Spec
MediCare
Health Insurance (Gold)
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh
Highest sum insured
20 lakh
20 lakh
Entry age
91 days to 65 years
3 months to 65 years
Room rent
No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule)
Standard Single Private Room; no capping on ICU accommodation
Co-payment
None (10% if admitted to a room category higher than the eligible category)
Compulsory 20% for each Insured Person aged above 60 Years
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
Additional amount equivalent to base Sum Insured, restored once during the policy period
100% of the Sum Insured once in a policy year (in-built in Gold and Platinum); not triggered on the first claim; unrelated illness only
No-claim bonus
Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
50% of Sum Insured per claim-free year, maximum 100% (Gold); reduces at same rate on claim
Maternity
Not covered
Up to Rs 50,000; waiting period of 4 years (Gold)
OPD
Not covered
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Insurer
Health incurred claim ratio (insurer)
76.24%
90.12%
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+
10000+
IRDAI UIN
TATHLIP26053V042526
ZUNHLIP26040V042526
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
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)
Health Insurance (Gold)
- 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)