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Last updated on: September 24, 2025
The Star Super Star Plan and Tata AIG Medicare Plan are both popular health insurance options in India, but they differ in coverage and unique benefits. Star Super Star Plan offers comprehensive benefits including outpatient cover, maternity, wellness services, and higher room rent limits, making it ideal for families seeking broad protection. Tata AIG Medicare Plan, on the other hand, emphasizes hospitalization cover with features like no sub-limits on room rent, modern treatment coverage, and optional global cover, suiting those who prioritize in-patient care and customizable add-ons. Premiums and exclusions vary, so the choice depends on individual healthcare needs and budget, with Star Super Star excelling in wellness/maternity and Tata AIG Medicare Plan standing out for in-patient focus and flexibility.
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Finding the most appropriate health insurance has never been a more important issue than in 2025 to Indian families. The increasing healthcare costs, emerging diseases and diseases associated with lifestyle force the need to compare the best plans. Star Health has the Star Super Star Plan that is one of the highest-rated health insurance policies as well as the Tata AIG Medicare Plan. They both are popular due to their holistic coverage and benefits that are customer-friendly, yet which one suits you more?
In this case, we compare and review both plans in a detailed manner with respect to the recent data and practical cases of Indian policyholders.
Star Super Star Plan is a plan of flagship health insurance providing by Star Health Insurance and it is designed by individuals and families. It provides an array of healthcare services such as hospitalisation, daycare procedures and a lot more- all of which are driven by a huge hospital chain across the nation.
In contrast, Tata AIG Medicare Plan is the most popular health policy offered by Tata AIG which is characterized by flexibility (a variety of sum insured), extensive coverage, high claims settlement rates, and unproblematic digital platforms in 2025.
The two have a set of strong advantages, but the question that the customers tend to ask is; which plan offers more value to Indian policyholders today?
Did You Know? The 2025 report released by IRDAI shows that the two companies are ranked among the top 5 insurance companies in India in terms of the speed of settlement and the scores in terms of customer satisfaction.
On the health insurance compare, it is important to look beyond the covered, but also at the sub-limits, waiting periods and exclusions.
Both plans cover:
Depending on certain limits, Star Super Star covers include cover of modern treatment such as stem cell treatment and oral chemotherapy. Even Tata AIG Medicare has such and organ transplant, bariatric surgery, and psychiatric coverage.
The two plans automatically restore your sum insured when it is utilized in one year though Star Super Star limits it to non-related illnesses but Tata AIG tends to implement it on all claims.
Both the insurers allow covering spouse, children, and parents with a single policy of floater. Star Super Star offers maternity benefits as an addition, whereas Tata AIG offers coverage of a newborn baby even on the first day (when maternity is covered).
| Characteristic | Star Super Star Plan | Tata AIG Medicare Plan. |
|---|---|---|
| Hospital Network | 14, 000+ Pan India | 10, 000+ Pan India |
| Sum Insured Range | 5 lac to 1 crore | 3 lac to 1 crore |
| Health Checkup Annual | Yes | Yes |
| Restoration/Reinstatement | 100 percent, unrelated illnesses | All claims, mostly. |
| Maternity Coverage | Yes, subject to variants | Optional add-on. |
| No-Claim Bonus | To 100 percent | 50 to 100 percent |
| Waiting Period (PED) | 36 months | 36 months |
| Psychiatric Cover | Limited | Yes, included |
| Claim Settlement Ratio | 96.5 percent (2025) | 97.2 percent (2025) |
Experts opinion Before finalising a health cover, it is advisable to look beyond the premiums and consider coverage requirements, waiting periods and claims convenience before signing a contract.
The cost of your health insurance relies on numerous parameters including age, family size, sum insured as well as the city.
Family of 2 Adults 1 Child
|human|>Sample Premiums 2 Adults 1 Child 2025.
| Plan | earned 5 lakh SI | 10 lakh SI | 20 lakh SI | 50 lakh SI. |
|---|---|---|---|---|
| Star Super Star | Rs 13,800 | Rs 20,950 | Rs 26,600 | Rs 38,500 |
| Tata AIG Medicare | Rs 14,100 | Rs 21,500 | Rs 27,900 | Rs 41,750 |
Data is displayed as a percentage in relation to a specific premium amount with a given age group.<|human|>The figures are displayed as percentage relative to a particular amount of a premium with regard to a particular age group without a prior disease.
Star is a bit cheaper in all the segments as per the existing pricing of 2025 whereas Tata AIG has more riders and customization at a premium.
In most instances, the two plans undergo a 36 months waiting period on pre-existing conditions.
Both companies have smooth alternatives and filling health claim may be stressful.
It is prudent to be aware of what is not going to be covered in each plan.
Did You Know? Numerous Indian customers do not pay attention to the room rent, co-payment and sub-limits on particular treatments. These are the things you should always read before making your choice of plan.
Both Star and Tata AIG allow attracting your base cover with convenient add-ons. Some popular riders include:
These will come with an added premium but can serve larger families or with a particular medical history.
Digital convenience is a major factor with the emergence of online health insurance.
The two insurers possess huge pan India networks of hospitals. Before going to the hospital, always update the existing list online or in the app.
Star Super Star provides individual options of seniors, but could be restricted and increase the premium on seniors that are past 60.
Tata AIG Medicare has a strong critical illness riders yet checkups before insurance can be done on older ages.
A health insurance advisor would help you make a choice on whether you are insuring older parents or have complicated health requirements.
The correct health insurance is based on the size of the family, the existing health, coverage requirements and long term schemes. Star Super Star and Tata AIG Medicare have a good performance in most families in India in the year 2025 with only minor variations in the premium, hospital network, and add-on option.
Make sure you:
Q1. Does it have any difference in tax benefits between these plans?
No, both plans can be deducted under Section 80D of the Income Tax Act without limit up to allowable amounts.
Q2. Are there additional fees or punishments?
No, most of the time, but confirm before buying the policy, that there are no copayments, sub limits, or policy exclusions.
Q3. Is it possible to transfer my current policy to either of the plans?
Yes, Star Health and Tata AIG permit policy portability, underwriting permitting the IRDAI guidelines.
Q4. Which one is simpler to make a claim in case of emergency hospitalisation?
They are both quick with registration of claims through apps. Select the one that has bigger hospital chain in your city.
Q5. Are these plans applicable in foreign treatment?
Both also provide limited international coverage on a few variants or as add-ons. Policy wording is detailed on the policy.
How could we improve this article?
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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