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Last updated on: September 22, 2025
The Star Comprehensive Plan and Tata AIG Mediplus Plan are leading health insurance options in India, each with distinct benefits. The Star Comprehensive Plan offers extensive coverage, including in-patient hospitalisation, maternity benefits, outpatient treatments, and covers pre-existing diseases after a short waiting period. It is well-suited for families seeking holistic protection and additional wellness services. In contrast, Tata AIG Mediplus Plan is a super top-up policy, designed to provide extra coverage after a threshold limit (deductible) is crossed—best for those who already have a base policy and want to increase their cover at lower premiums. While Star Comprehensive is ideal for comprehensive, first-line coverage, Tata AIG Mediplus excels as a cost-effective supplement. Choosing between them depends on whether you need all-in-one protection (Star) or targeted top-up coverage (Tata AIG).
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Knowledge of health insurance has never been as important to the Indian families. The increasing prices of health care in 2025 will keep your savings safe in case of a health emergency, so a reliable insurance policy will help in saving you. It may be confusing when one has to select between Star Comprehensive Plan and Tata AIG Mediplus Plan. This comprehensive piece of information will enable you to compare both alternatives on the areas of interest and settle on the suitable alternative to your needs.
Star Comprehensive Plan and Tata AIG Mediplus plan are both popular health insurance plans in India; these plans are designed to suit individuals, couples, and families. Such plans take care of key medical costs such as hospitalisation, surgery, day care procedures among others. Nevertheless, they have different advantages, maximum coverage and extra options, as they can influence your ultimate choice.
| Benefit | Star Comprehensive Plan | Tata AIG Mediplus Plan |
|---|---|---|
| Sum Insured | Rs 5 lakh - Rs 1 crore | Rs 2 lakh - Rs 50 lakh |
| Room Rent Limit | None | Single room-private |
| Maternity Cover | Rs up to 1 lakh | Not included |
| Restore Benefit | None available | Up to 100 percent |
| OPD Cover | Yes | No |
| Modern Treatments | Covered | Covered |
| Claim Settlement Ratio 2024 | 96 percent | 95.2 percent |
| Health Checkup | Annually, all members | Annually, plans of choice |
| Network Hospitals | 13,000+ in 2025 | 8,000+ in 2025 |
| Ayush Cover | Yes | Yes |
| Pre-Existing Disease Wait | 3 years | 3 to 4 years |
Expert Opinion: Star plan has wider features, whereas Tata AIG Mediplus is more flexible and its network hospital base is superior as per many insurance advisors in 2025.
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Star Comprehensive offers better coverage of maternity, newborn and vaccination benefits to the families who have children and Tata AIG Mediplus may need extra riders to offer the same benefits.
Both plans cover medical costs in the hospital including doctor visits, ICU, room rent and drugs.
The coverage includes pre hospitalisation (30-60 days) and post hospitalisation (60-180 days) though Tata AIG offers a longer pre and post hospitalisation coverage.
Both insurers cover more than 500 treatments that require hospitalisation of less than 24 hours.
Covered are minor surgeries, chemotherapy and diagnosis.
Both plans are in favor of alternative medicine curing such as Ayurveda and Homeopathy.
Every new modern treatment such as robotic surgeries, transplantation, and cancer treatment is included in terms of the policy.
Did you know? Over 40 percent of the urban hospital treatments are currently classified as day care procedures; this is increasing the demands of the policies to favour such claims in 2025.
Most of the processes have been taken online in both insurers in India, and it is easy to register and monitor the claims digital.
Pro Expert opinion: According to the major insurance agents in 2025, it is advisable to first go through the list of the closest network hospitals prior to selecting a plan since the experience of cashless treatment can be different in each city.
The premiums may be varying according to age, sex, medical history and amount of sum insured. The following is an approximate estimated premium cost of a healthy family consisting of four members, aged 35, 32, 7 years and 5 years of age, with sum insured of Rs 10 lakh:
| Company | Yearly premium (2025) | Discounts Offered |
|---|---|---|
| Star Comprehensive | Rs 22,400 | Wellness, family discount |
| Tata AIG Mediplus | Rs 17,800 | No claim, online purchase |
Premiums are reflective and may vary depending on the regulations of underwriting and health statements.
Yes, both Star Comprehensive and Tata AIG Mediplus have cashless hospitalisation in their respective networks. In 2025, ensure you see the revised list in the websites of the insurers.
Yes, according to the IRDAI provisions you have the option to port your current health insurance at the time of renewal for acceptance and continuity.
Professional Advice: Yearly policy information should be reviewed regularly since conditions, hospital list, and the premium can vary. Analysts recommend that the proposal document should be read before the final purchase in 2025.
The most important ones are sum insured and claim settlement experience and other additional covers depending on your family health aspirations.
Check hospital network, check process and claim process exclusions.
The two plans meet IRDAI requirements and provide non-cash solutions.
Q1. Should room rent in Tata AIG Mediplus be capped or star comprehensive?
A1. Tata AIG permits single private room; Star Comprehensive does not have any room rent limit.
Q2. Is it possible to purchase both policies to have a dual health cover?
A2. Several health policies are permissible, though, split claims and report both insurers according to the IRDAI regulations.
Q3. In what way do these plans benefit the no-claim bonus?
A3. Star Comprehensive provides up to 100 percent premium increment of sum insured on every year without claim. Tata AIG adheres to incremental wellness points and bonuses.
Q4. Are these policies inclusive of COVID19 or new infectious diseases?
A4. Yes, they both cover both emergency situations and pandemic cover according to advisories of the IRDAI (2025) on emerging infectious diseases.
Q5. Is it possible to make monthly payment in place of annual premium?
A5. Star and Tata AIG provide convenient EMI and monthly instalment in some of the plans in the key cities.
Q6. Do both plans cover organ transplants?
A6. Yes, the cost of organ transplant that is medically necessary is covered according to the policy terms such as the cost of the donors.
Q7. What plan is more international in coverage?
A7. Star Comprehensive has optional international treatment add-on on some of the critical illnesses; Tata AIG Mediplus is a domestic coverage plan.
Q8. What is the time of coverage upon purchase?
A8. Coverage commences after 30 days waiting period with an exception of accidents, which is covered immediately.
Q9. What forms do I require in order to make a claim?
A9. Bills about the hospital, medical records, ID documentation, policy document. Both provide the facility of uploading new claims digitally in 2025.
Q10. Where do I get the real reviews by the current policyholders?
A10. Browse the annual performance reports of insurance companies and customer reviews in the reputed websites of PolicyBazaar, coverfox, and the websites owned by the respective insurers.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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