Medicare Plan vs Niva Bupa Group Health Insurance Health Insurance Plan 2026 | PolicyX

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TATA AIG Medicare is a comprehensive health insurance plan specifically designed to address the increasing cost of medical expenses. This upgraded and simplified plan covers individuals aged 5 to 65 years.

The TATA AIG Medicare plan offers several benefits such as lifelong renewal, restore benefits, global cover, and a strong tie-up with over 7,200 network hospitals across India. Along with these benefits, the plan offers three variants to choose from: Medicare, Medicare Protect, and Medicare Premier. Let's understand this plan in more detail.

PLAN DETAILS

Medicare Plan

Niva Bupa Group Health Insurance

Product Type Individual and Family Health Insurance Group Health Insurance
Key Features
(Key features of the plan)
  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process
  • Explore Niva Bupa Group Plans
  • Niva Bupa Tax Benefits
  • Niva Bupa Eligibility
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Covered -
Room Rent
(A limit of room rent cover during hospitalization if any)
Covered -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Covered -
Pre-hospitalization
(Expenses before the insured is hospitalized)
Covered -
Post-hospitalization
(Expenses after discharge from the hospital)
Covered -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Covered -
Hospital_network
(Number of Hospital Network in city)
11000 10000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
Covered -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Covered -
Ambulance Charges
(Expenses incurred on ambulance charges)
Covered -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
Not Covered -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Covered -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Covered -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Covered -
Plan Entry Age 90 days - No limit Flexible eligibility
Plan Premium Entry Age and S/A 3762 NA
Plan Waiting Period 30 days NA
Plan Coverage - Group Health
Plan Sample Premium 3762 -
Plan Brochure Brochure URL Brochure URL
Policy Term 1, 2, 3, years NA
ICU Charges Covered -
Covid-19 Treatment Covered -
Cataract Not Covered -
Automatic Restoration Covered -
Ayush Treatment Covered -
Modern Treatment Covered -
E Consultation Not Covered -
Air Ambulance Not Covered -
Global Coverage Covered -
Claim Ratio - 94.4
Solvency Ratio 1.81 3.03
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