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ICICI Elevate vs TATA AIG Medicare Premier *DETAILED* Comparison | Pros, Cons & Features | Ditto
Confused about which health insurance suits your needs? Book a free chat with Ditto for spam-free, personalized advice - ditto.sh/f0actz
Welcome to our channel! In today’s video, we’re comparing two popular health insurance policies: ICICI Elevate by ICICI Lombard Health Insurance and Tata AIG Medicare Premier by Tata Health Insurance. These policies are some of the most discussed options in the market, and we’re here to help you decide which one might be the right fit for your needs. Whether you’re looking for affordability, advanced features, or comprehensive coverage, we’ve got you covered.
Key Takeaways:
By the end of this video, you’ll learn:
- The key differences between ICICI Elevate and Tata AIG Medicare Premier.
- Unique features like Infinite Care, Power Booster, and worldwide coverage.
- Pros, cons, and the ideal customer for each policy.
- Why other insurers like Aditya Birla, HDFC Ergo, and Care Supreme might be worth considering.
Claim Settlement Ratio & Hospital Networks
ICICI Lombard: CSR of 85% with 7,500+ hospitals.
Tata AIG: CSR of 96% with an impressive 10,000+ hospitals.
Coverage Options
ICICI Elevate: Coverage for surrogate mother and Oocyte donor (₹5 lakhs), add-ons like Infinite Care (no sum insured limit), and Power Booster (100% cumulative bonus annually). Room rent is limited to a single private room.
Tata AIG Medicare Premier: Coverage up to ₹3 crores with no room rent limits, worldwide coverage (₹10 lakhs), and maternity benefits (₹60,000 for girl child, ₹50,000 for boy child after 4 years).
Shared Features
Both policies offer:
Day care treatment coverage
Pre and post-hospitalization
Ambulance charges
Free health checkups
AYUSH and organ donor coverage
Cons to Watch Out For:
ICICI Elevate: Lower CSR, fewer network hospitals, and room rent restrictions.
Tata AIG Medicare Premier: Higher premiums, unnecessary built-in features, and a long maternity waiting period.
Add-Ons & Customization
ICICI Elevate: Highly customizable with add-ons like Infinite Care, Power Booster, and maternity cover (10% of the base sum insured).
Tata AIG Medicare Premier: Most features are built into the base plan, but this results in higher premiums.
Conclusion
So, which one should you choose? If you prioritize comprehensive coverage and better service metrics, Tata AIG Medicare Premier might be your pick. But if you’re looking for affordability and customizable features, ICICI Elevate by ICICI Lombard Health Insurance could be the better option.
Our recommendation? Look into insurers like Aditya Birla, HDFC Ergo, and Care Supreme, which offer more comprehensive features.
Make the best choice based on your specific needs, whether it’s network size, budget, or advanced benefits like maternity coverage or worldwide access.
Need help choosing the right policy? Book a free consultation with Ditto for spam-free, expert guidance. Don’t miss out- ditto.sh/f0actz
Our previous videos:
Galaxy Health Insurance First Look Review - th-cam.com/video/8KecwEQnS6I/w-d-xo.html
Cancer and Health Insurance - th-cam.com/video/ThGUBZM77ho/w-d-xo.html
NEW Claim Success Story - th-cam.com/video/2dEkydik9W0/w-d-xo.html
Connect with Us:
Follow us on Instagram: joinditto?...
Follow us on LinkedIn: www.linkedin.com/company/ditto-insurance/posts/?feedView=all
Tweet us your questions: x.com/joinditto
Happy Insurance Hunting
#icicielevate #tata
มุมมอง: 91

วีดีโอ

Galaxy Health Insurance Initial Review | Latest Health Insurance | Galaxy Promise | Good to Buy?
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Ready to find the right health insurance plan for you? Book a free chat with Ditto today and get personalized advice from our insurance experts - ditto.sh/fv9yam In this video, Shashank sits down with Sushant to unpack everything you need to know about Galaxy Promise, the flagship health insurance product from the new entrant, Galaxy Health Insurance. Backed by the TVS family and the founder of...
Health Insurance for Cancer Patients | *REALITY* of CANCER Coverage | Ditto Insurance
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For personalised health & term insurance advice, book a free and quick consultation - ditto.sh/09nrww Dealing with cancer can be one of the most challenging experiences for individuals and families, not only emotionally but financially as well. In this video, we dive deep into the intersection of cancer and insurance-covering essential details about health and life insurance options, specialize...
Aditya Birla Sun Life Insurance *HONEST* Term Plans Review | Pros, Cons & Premiums Revealed | Ditto
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At Ditto, we believe in guiding you to opt the best plan for you and your family. Get expert insurance advice with zero hassle. Book your free chat now in less than 2 minutes - ditto.sh/dmt29j Welcome to another episode! Today, we're diving deep into a comprehensive review of Aditya Birla Sun Life Insurance. If you’ve been exploring life insurance options and wondering if Aditya Birla Sun Life ...
How Ditto Overturned Insurer's Decision within 48 hours | Ditto Claims Success Story |
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Aditya Birla Activ One Max vs HDFC ERGO Optima Secure *DETAILED* Comparison | Pros, Cons & Features
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Policy Porting vs. Migration Explained | Which is Right for Your Health Insurance? Ditto Insurance
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For customized expert guidance on your health or term insurance decisions book a FREE chat with us - ditto.sh/nihh52 Health insurance can be tricky to navigate, especially when you’re deciding whether to port your policy or migrate within the same insurer. In this video, we’ll explain the key differences between policy porting and policy migration, helping you understand which option is better ...
NEW Manipal Cigna Sarvah Plan DETAILED Review | Pros, Cons, Features & PREMIUMS | Ditto Insurance
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#manipalcigna #manipalcignahealthinsurance If you’re looking for expert advice on selecting the right health or term insurance plan, book a FREE consultation with Ditto - ditto.sh/de416g ManipalCigna Health Insurance has rolled out a new range of health insurance products - ManipalCigna Sarvah, specifically designed for middle-class families seeking comprehensive health coverage without breakin...
HDFC ERGO Optima Secure *UPDATED* Review 2024 | Latest Updates Included | Worth Buying? Ditto
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Looking for personalized health insurance advice? Want to know if HDFC Ergo Optima Secure is the right plan for you? We’re here to help! Book a FREE chat with our expert advisors today - ditto.sh/09qmbt Welcome back to another comprehensive review from Ditto Insurance! In this video, we dive deep into the HDFC Ergo Optima Secure health insurance plan with all the latest updates for 2024. Whethe...
HDFC ERGO Optima Secure vs ICICI Lombard Elevate | Which is Better? *DETAILED* Comparison | Ditto
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ความคิดเห็น

  • @haranadhababu9219
    @haranadhababu9219 3 ชั่วโมงที่ผ่านมา

    Thank you Ditto team for comparison of difference policy's in simple way

  • @Harshjiii
    @Harshjiii 4 ชั่วโมงที่ผ่านมา

    I switch to care insurance company from HDFC and trust me this was biggest mistake of my life. In my very first claim when my 6 years old kid was not well for last 15 days, we decided to transfer into hospital. But this guys rejected the claim saying hospitalization was not required. Who are you to decide? please don't recommend this plan to anyone 🙏

  • @Harshjiii
    @Harshjiii 4 ชั่วโมงที่ผ่านมา

    I switch to care insurance company from HDFC and trust me this was biggest mistake of my life. In my very first claim when my 6 years old kid was not well for last 15 days, we decided to transfer into hospital. But this guys rejected the claim saying hospitalization was not required. Who are you to decide?

  • @jagdeep555
    @jagdeep555 4 ชั่วโมงที่ผ่านมา

    We will buy frm one of my friend advisor 👍 not frm any online platform bz reason everyone knows 🤷‍♂️

  • @jayaprakashsnpuram1371
    @jayaprakashsnpuram1371 6 ชั่วโมงที่ผ่านมา

    I already faced an anchioplasy one month before. Now i am ok. I want to know if i take a health policy for acko, when will start my coverage.

    • @dittoinsurance
      @dittoinsurance 6 ชั่วโมงที่ผ่านมา

      Since we don't deal with Acko directly, we aren't sure. But generally once you have gone through any treatments/surgeries, it is always advised to disclose it to your insurer before opting a policy from them.

  • @grittiersantosh
    @grittiersantosh 8 ชั่วโมงที่ผ่านมา

    Sir cover spelling is incorrect in subtitles Thanks for the information

    • @dittoinsurance
      @dittoinsurance 6 ชั่วโมงที่ผ่านมา

      Sorry for that :) Thanks for pointing it out

  • @Iamniyas17
    @Iamniyas17 10 ชั่วโมงที่ผ่านมา

    Can’t we just keep 5-10 lakhs as base for now and then increase it later like after 5-10 years??

    • @dittoinsurance
      @dittoinsurance 6 ชั่วโมงที่ผ่านมา

      You can always increase your coverage later, but with your age slab increasing, the premiums might increase as well.

  • @mithuntly
    @mithuntly 11 ชั่วโมงที่ผ่านมา

    Care Health is a fraudulent company that prioritizes making money over our health. My family has a Care Health insurance policy, but when my 6-year-old son was admitted to the hospital for lung issues, they rejected our claim, stating they needed to investigate further. Despite providing all the required documents, including the doctor's justification confirming that my son had no pre-existing problems, and even after our doctor directly spoke to a Care Health executive, they still rejected the claim without giving any valid reason. Please don't fall for their false promises and get cheated like we did.

  • @mithuntly
    @mithuntly 12 ชั่วโมงที่ผ่านมา

    Care Health is a fraudulent company that prioritizes making money over our health. My family has a Care Health insurance policy, but when my 6-year-old son was admitted to the hospital for lung issues, they rejected our claim, stating they needed to investigate further. Despite providing all the required documents, including the doctor's justification confirming that my son had no pre-existing problems, and even after our doctor directly spoke to a Care Health executive, they still rejected the claim without giving any valid reason. Please don't fall for their false promises and get cheated like we did.

  • @mithuntly
    @mithuntly 12 ชั่วโมงที่ผ่านมา

    Care Health is a fraudulent company that prioritizes making money over our health. My family has a Care Health insurance policy, but when my 6-year-old son was admitted to the hospital for lung issues, they rejected our claim, stating they needed to investigate further. Despite providing all the required documents, including the doctor's justification confirming that my son had no pre-existing problems, and even after our doctor directly spoke to a Care Health executive, they still rejected the claim without giving any valid reason. Please don't fall for their false promises and get cheated like we did.

  • @AmitSharma-kd7rj
    @AmitSharma-kd7rj วันที่ผ่านมา

    Does Hdfc Optima Secure or Aditya Birla Activ One cover Cancer treatment??

    • @dittoinsurance
      @dittoinsurance 6 ชั่วโมงที่ผ่านมา

      If you already have the policy, and then if you get diagnosed with the disease, then definitely yes, these insurers will cover your treatment up until Sum Insured.

  • @MrSrinihr
    @MrSrinihr วันที่ผ่านมา

    Acko will list all hospital as network hospital and so we purchase the policy and during emergency they will reject cashless facility in network hospital itself

  • @arunmohanty123
    @arunmohanty123 วันที่ผ่านมา

    Sir does galaxy insurance cover advance modern treatments like car t cell therapy, cardiac TAVR SURGERY, PROTON THERAPY for cancer

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      We are yet to get the complete details of this plan.

  • @rohitranjanrout8430
    @rohitranjanrout8430 วันที่ผ่านมา

    Acko is best. My own experience.

    • @sahilkapoor106
      @sahilkapoor106 วันที่ผ่านมา

      Have you claimed the benefits? Where you purchase direct from website or somewhere else? Pls share your experience I want to purchase

  • @Rupeecast
    @Rupeecast วันที่ผ่านมา

    Very poorly explained.

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      We'll try better next time :)

  • @lakshminarayana5155
    @lakshminarayana5155 วันที่ผ่านมา

    Can we buy this galaxy from ditto.?

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      We aren't partnered with Galaxy at the moment

  • @08pkz
    @08pkz วันที่ผ่านมา

    Very interesting take guys. Thanks for taking this in depth. Will ditto be offering galaxy products anytime soon? Looking to renew my insurance in the next 15 days. Would love to know more about this. Thanks in advance

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      Hi there! Thanks for your words! Unfortunately, we aren't tied up with Galaxy at the moment. However, if you'd like to know some alternatives, then we suggest you to book a quick consultation with us - ditto.sh/fv9yam

  • @rohittiwari5147
    @rohittiwari5147 วันที่ผ่านมา

    Everyone is not very well educated madam..so pls i request to you... speak in hindi for more comfortable to understand...

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      We have a dedicated Hindi Channel. Please check it out - www.youtube.com/@DittoInsuranceHindi

  • @BusinessManagement-hx1ug
    @BusinessManagement-hx1ug 2 วันที่ผ่านมา

    DO VIDEO ON NEW IRDAI RULES OF PORTING, NCB ETC

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      We have covered these changes in our previous videos.

  • @Iamniyas17
    @Iamniyas17 2 วันที่ผ่านมา

    Ditto : we know that you’re partnered with AB but please also consider your viewership. Who may not like you recommending your partner

  • @FUN-KARTHIK
    @FUN-KARTHIK 2 วันที่ผ่านมา

    any insurance is available for covering third baby?

  • @vishnuparegi4580
    @vishnuparegi4580 2 วันที่ผ่านมา

    Why would anyone pay in advance? You don't know how much installments you will pay in future.😊 Aur 10 saal me kuch achche return ban jaye to baki ki installment bharne me koi problem bhi nahi hogi.

  • @praveenreddy8939
    @praveenreddy8939 2 วันที่ผ่านมา

    Assume that Person A and Person B are of the same age. Person A purchased health insurance at the age of 25, while Person B purchased health insurance 20 years later. Would the insurance premiums be the same for both Person A and Person B at 45 age? Because health prices increase by age right. Pls respond.

    • @Iamniyas17
      @Iamniyas17 2 วันที่ผ่านมา

      Almost same no difference in health but huge difference in term.

    • @dittoinsurance
      @dittoinsurance 6 ชั่วโมงที่ผ่านมา

      No, the insurance premiums for Person A and Person B at age 45 would not be the same. While both policies will likely see incremental increases in premiums due to age and medical inflation, Person A's premiums would have started lower and increased gradually over the years. Person B's premiums will start at a much higher base due to the age at which they entered the policy.

  • @yashwanthkumar7176
    @yashwanthkumar7176 2 วันที่ผ่านมา

    Sir, requesting you to please do a video on better health insurance policy for Heart patients

    • @dittoinsurance
      @dittoinsurance 12 ชั่วโมงที่ผ่านมา

      Sure we shall cover that :)

  • @SSChatterjee-gf4wf
    @SSChatterjee-gf4wf 2 วันที่ผ่านมา

    @dittoinsurance HDFC Optima Secure is absolutely silent about modern treatments coverage in its policy wordings. What's ditto' s take on this???

  • @sachindrad1870
    @sachindrad1870 2 วันที่ผ่านมา

    No No I think all he is tell is wrong I am seeing that there is only 3K or 2K more for my age in both of them and that is not 70/80% high as he says.. don't beleive any inluncers or any youtuber's do your own due intelligence/ resarch.. all these prople work for promotions. some 16K and 19K came for me and that is not 70/80% difference. other things I agree with him like waiting in ICICI can be bought as an Addon and reduced waiting period.

  • @arunmohanty123
    @arunmohanty123 2 วันที่ผ่านมา

    Sir there is no critical illness policy being sold by ditto Please include critical illness plans especially indemnity plans and lumpsum payment Please do a video of best critical illness plans

    • @Iamniyas17
      @Iamniyas17 2 วันที่ผ่านมา

      You can add critical illness as an addon.

  • @Mukesh1018A
    @Mukesh1018A 2 วันที่ผ่านมา

    23-10-2024

  • @anupshete1234
    @anupshete1234 2 วันที่ผ่านมา

    Ajay looks like Vijay Setupathi lite😅

  • @satvikkhare1844
    @satvikkhare1844 2 วันที่ผ่านมา

    If looks can kll

  • @sankalpjain8046
    @sankalpjain8046 2 วันที่ผ่านมา

    Why are you guys not talking about power boster add ons?

  • @everythingyouneedtoknow8617
    @everythingyouneedtoknow8617 2 วันที่ผ่านมา

    Customer service is very bad in Niva bupa health insurance. I've had a very bad experience about their claim settlement. After all I've ported my policy to another.

  • @sasankanath6544
    @sasankanath6544 2 วันที่ผ่านมา

    My mother is diabetic taking insulin since 5 years..can she take Reassure 2.0 with disease management rider...care freedom having sublimit in various diseases along with co pay...

  • @ameenshariathi8379
    @ameenshariathi8379 2 วันที่ผ่านมา

    Thanks for the info

  • @RaviKumar-mv3uv
    @RaviKumar-mv3uv 3 วันที่ผ่านมา

    bakwass inshrance calim hi nai dete 😂

  • @sanjeevnair5218
    @sanjeevnair5218 3 วันที่ผ่านมา

    These guys are just wasting our time. Not worth listening

  • @paritoshparashar5898
    @paritoshparashar5898 3 วันที่ผ่านมา

    I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend porting? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?

  • @paritoshparashar5898
    @paritoshparashar5898 3 วันที่ผ่านมา

    I am porting my Mother's HDFCERGO restore to ICICILOMARD elevate (Running from last five years, one surgery 2 years back). Would you recommend? In-between she developed BP which is not reflected in HDFCEGRGO. I want to inform that during porting to ICICI. Do I have to wait for 3 years before covering nay heart disease or I will be eligible for immediate cover since she has completed 5 years in previous policy?

    • @sanjaykumar6599
      @sanjaykumar6599 3 วันที่ผ่านมา

      Bro I have bought icci elevate is it good

  • @isntyou
    @isntyou 3 วันที่ผ่านมา

    Everyone, Iciici Lombard health insurance is money looting company, one of the worst in market. Go for some other insurance

  • @JamesL32
    @JamesL32 3 วันที่ผ่านมา

    What's better, Mutual fund investments or HDFC life insurance?

    • @dittoinsurance
      @dittoinsurance 3 วันที่ผ่านมา

      Insurance isn't an investment, it's a necessary expense. While mutual funds help you compound your wealth, Life Insurance provides a safety net for your family, should something happen to you by paying out lump sum to them which can help them financially

    • @JamesL32
      @JamesL32 3 วันที่ผ่านมา

      @dittoinsurance Thank you for your kind information.

  • @praveennakirikanti9324
    @praveennakirikanti9324 3 วันที่ผ่านมา

    Iam paying from last 4 years.. now realized i have not disclosed thyriod..what should i do now ..can i discose now..if disclose now..they will cancel my policy or accept for renewal