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Last updated on: September 24, 2025
The Star Super Star Plan and Tata AIG Medilite Plan are both popular health insurance policies in India, but they cater to different needs. The Star Super Star Plan offers comprehensive coverage, including hospitalization, pre- and post-hospitalization expenses, daycare treatments, and higher sum insured options, making it suitable for families seeking robust protection. It also often features wellness benefits and add-ons. In contrast, Tata AIG Medilite Plan is designed as a budget-friendly, basic health cover that covers essential hospitalization and treatment costs but generally provides lower sum insured choices and fewer add-on features. Medilite is ideal for individuals or first-time buyers looking for affordable, no-frills coverage. Ultimately, the Star Super Star Plan is recommended for those requiring extensive coverage, while Tata AIG Medilite Plan serves those prioritizing affordability and simplicity.
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It is not an easy task to pick the right health insurance in India, and with such a choice as the Star Super Star Plan and Tata AIG Medilite Plan having to be taken into account. The lakhs of families trust them and provide affordable health cover to your health requirements in both the plans. Nevertheless, it can be stated that there are distinct differences in their characteristics, advantages, and appropriateness. It is important to know such information in 2025 to select the most suitable medical policy to your loved ones.
Both the Star Super Star Plan and Tata AIG Medilite Plan plan to provide strong hospitalisation cover at reasonable premium. They are a reputed insurer and are adjusted to various medical needs. This paper shall deconstruct the similarities, distinct characteristics, advantages, and disadvantages and offer comparisons, which are supported by data. Continue reading to discover which plan will best suit you in 2025.
Star Super Star Plan will be targeted to the individuals and families that seek a broad medical cover at a low cost. It has been associated with its full hospitalisation insurance cover, wide network cover, and a sum insured that is flexible.
Tata AIG Medilite Plan is designed as an affordable health plan and best applicable to individuals who want a low-cost medical cover without frills and fancies. This is a basic plan which does not involve any unnecessary luxuries and provides a basic hospitalisation cover.
Though Tata AIG Medilite is purchasable up to the age of 65, those above 60 years will receive a 20 percent copay. Higher sum insured plans such as Star Super Star can be considered more thoroughly protective in later life.
In 2024, Star Super Star Plan experienced a 25 percent increase in youth professional uptake in the urban India market, as it is witnessing an increase in the demand of advanced hospitalisation benefits and limits on no-room rent.
The fundamental distinction between these two health insurance plans is in the premium to protection ratio. Tata AIG Medilite is among the lowest premium plans in the health insurance market whereas Star Super Star has more features therefore higher price point.
A premium comparison table of a healthy 35-year-old person in FY 2025 is as follows:
| Plan Name | Sum Insured | Annual Premium (Approx.) |
|---|---|---|
| Star Super Star | [?]5 lakh | [?]8,200 |
| Star Super Star | [?]10 lakh | [?]12,000 |
| Star Super Star | [?]20 lakh | [?]15,600 |
| Tata AIG Medilite | [?]1.5 lakh | [?]2,240 |
| Tata AIG Medilite | [?]3 lakh | [?]3,140 |
| Tata AIG Medilite | [?]5 lakh | [?]4,700 |
Note: The premiums above are inclusive of the premiums without GST and can differ according to age, state and add-ons. Tata AIG Medilite is less expensive but with less insured amount is given.
No, you cannot add the sum insured more than [?]5 lakh in Tata AIG Medilite. Star Super Star Plan offers the option of sum insured increase at the time of renewal, which is at the discretion of the underwriter.
Mr. Sandeep N, an insurance advisor based in Bengaluru claims that Tata AIG Medilite is a good start-up plan to young families due to pocket-friendly premiums. However, with the increasing medical expenses, it is good to upgrade to the Star Super Star or other higher protection policies in five years.
Star Super Star Plan allows policyholders to take advantage of health checkup benefits in every claim free year and preventive care is affordable to the family.
Star Health boasts a list of 14,000 plus hospitals in 2025 as compared to 8,000 hospitals in Tata AIG. Nevertheless, partner hospitals and location are important.
According to the IRDAI claim statistics of the FY 2024-25, the average in the sector of health claim settlement within 30 days is 94 percent, and both Star and Tata AIG are above the average.
| Features Star Super Star Plan Tata AIG Medilite Plan. | ||
|---|---|---|
| Launch Year | 2019 (Latest 2025 version) | 2017 (revised 2025) |
| Sum Insured Range | [?]5 lakh - [?]1 crore | [?] 1.5 lakh - [?]5 lakh. |
| Room Rent Limit | None (where is above [?]5 lakh) | 1 percent of sum insured. |
| ICU Rent Limit | No capping | No capping |
| Pre-hospitalisation | 30 days | 60days. |
| Post-hospitalisation | 90 days | 60 days |
| Add-on Riders | Most, such as maternity | None |
| No-claim Bonus | Up to 100 percent | Up to 50 percent |
| Cashless Hospitals (2025) | 14,000 and above | 8,000 and above |
| Minimum Age of entry | 18 years | 18 years |
| Maximum Age of entry | 75 years | 65 years. |
| Copayment | None to 60yrs of age | None to 60, 20% after. |
| P ED Waiting Period | 36 months | 48 months |
| Maternity Cover | Select plans | Not covered. |
| Premium 35 yr Male 5L SI | [?]8,200 approx | [?]4,700 approx. |
In 2025, both insurers provide both cashless and reimbursement claim procedures in a digital smooth manner. Star Health is just marginally faster in settlement since it has its own network in more hospitals.
Yes, both plans are inclusive of pre-existing diseases after the waiting period. Star Super Star has a co-payment of 36 months and Tata AIG Medilite has one of 48 months.
Health Policy Reviewer, Dr. Neelam Gowda, opines, that when you are already sick such as diabetic, the short duration of Star Super Star waiting room is a boon. The increased premium is self-compensating in the event of premature claims.
According to the Star Super Star and Tata AIG Medilite common major exclusions are:
In all circumstances, policy wordings should be checked to make sure that your treatment does not come under such exclusion areas.
OPD cover is provided as an add-on in some version of Star Super Star Plan. Tata AIG Medilite does not offer the reimbursement of OPD.
What plan do I want to take parents over 60 years? Star Super Star Plan is more eligibility and does not require a copayment to the age of 60, which is more favorable to the older parents.
Are both plans 2025 cashless claim easy to use? Yes, both of the companies have straightforward online cashless claims systems that have special support staff.
Is it possible to purchase Tata AIG Medilite and Star Super Star Plan simultaneously? Yes, holding two different health policies and claiming proportion out of either of them is allowed, according to the rules of IRDAI.
What will happen with the sum insured in the event that it has been depleted within a year? Star Super Star provides automatic restoration on other illnesses. Tata AIG Medilite does not provide reinstatement of sum insured.
In either of these plans, is there a waiting period of maternity? Maternity cover is offered under Star Super Star Plan having 36 months wait period. Lacking in Tata AIG Medilite.
Will the senior citizens be eligible to take Tata AIG Medilite Plan in 2025? Those people who are up to 65 years of age are eligible. At the age of 60 years, copayment of 20 percent must be paid on every claim.
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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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