Tata Aig vs Shriram Health Insurance Company Health Insurance 2026

Overview

Tata AIG General Insurance, a JV of the Tata Group and AIG, began operations on 22 January 2001. As of 31 March 2024 it manages an AUM of ~Rs. 26,854 Cr with about 8,751 employees across 221 branches in India.

COMPANY DETAILS

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Tata Aig

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Shriram Health Insurance Company

Number of health insurance plans	No. of Plans 11 ❯	No. of Plans 1 ❯
Sum insured	Sum Insured Up to ₹ 3 Crores	Sum Insured Up to ₹ 3 Crore
Claim ratio	Claim Ratio -%	Claim Ratio 86.86%
Network hospitals	Network Hospital 11000+	Network Hospital 13000+
Solvency Ratio	Solvency Ratio 1.81	Solvency Ratio 3.51
Pan India Presence	Pan India Presence 221	Pan India Presence 537
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 3,592.05 Crore	Annual premium (company level) 123.17 Crore
Years in operation	Years in operation 2001	Years in operation 2006
24×7 claim support	24×7 claim support No	24×7 claim support No
Claims settled within 3 months	Claims settled within 3 months 94.14	Claims settled within 3 months 98.31
Recommended Videos	▶ TATA AIG General Insurance Company Review

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TATA AIG Health Insurance Company

TATA AIG Accident Guard Plan

TATA AIG's Accident Guard Plan provides comprehensive financial protection against unforeseen accidents for individuals aged 18 an...

Comprehensive accident care
Coverage for child education
No waiting period

Temporary total disability
Child enhancement benefit
Air ambulance
Loss of hearing

No alcoholism cover
No war injury cover
No cataract cover
No STD cover

Fractures
Burns
Total disablement cover
Accidental death

Entry age- 6 months
Max entry age- 65 years
SI- NA
Waiting period- 30 days

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Individual and Family Health Insurance

Medicare Premier Plan

The Tata AIG Medicare Premier is a comprehensive health insurance plan for individuals and families, offering extensive coverage i...

Eligibility Criteria
Benefits and Features
Inclusions and Exclusions

Wellness service
Compassionate travel
Home care
Restore benefit

Injury due to suicide attempt
Death due to drugs
Injuries due to breach of law
STDs

OPD dental treatment
First-year vaccinations
In-patient treatment
Second medical opinion

Entry Age: 18 years
Maximum Entry Age: 65 years
Sum Insured (SI): ₹5 Lakh to ₹3 Crore
Waiting Period: 30 days

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Critical Illness Health Insurance

TATA AIG Criti MediCare Policy

Tata AIG Criti MediCare is a specialized health insurance plan offering financial protection and continuous coverage for critical ...

Covers 100 critical illnesses
Cancer-360 indemnity cover
Hospital cash benefit

Complete cancer coverage
hospital cash
Covers over 100 critical illnesses

Self-harm not covered
No international coverage
Adventure sports injury not covered

Discount on premiums
Tele medical examination
Tax benefits

Entry Age: 18 - 65 Years
Initial Waiting Period: 30 Days
SI: Up to 2 Cr
Policy Term: 1/2/3 Years

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Senior Citizen Health Insurance

Tata AIG Elder Care Insurance Plan

The Tata AIG Elder Care Plan offers comprehensive health coverage specifically for senior citizens, encompassing in-patient hospit...

Preventive health check-ups
Post-operative care
Homecare treatment cover

Preventive health check-up
Pre-hospitalisation cover
Post-hospitalisation cover
Compassionate visit
In-patient treatment

Obesity/weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered

Cumulative bonus
Daycare procedures
Medical second opinion
AYUSH treatment cover

Entry age- 61 years
Max entry age- 85 years
SI- 5-25 Lakhs
Waiting Period- 30 days

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Accident Health Insurance

TATA AIG Accident Shield Policy

The TATA AIG Accident Shield Plan provides an essential layer of protection against the financial impact of accidents. It covers a...

Lifelong renewability
Children’s educational grant
30 days grace period

Accidental death
Permanent total disability
Permanent partial disability

AIDS
Mental or nervous disorder
Alcoholism

Disappearance of the insured person
Child’s education aid
High SI

Min entry age: 6 Months
Max Entry Age: 65 Years
Waiting Period: 30 Days
Sum Insured: N/A

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Individual and Family Health Insurance

Tata AIG Arogya Sanjeevani Policy

The Tata AIG Arogya Sanjeevani Policy is an IRDAI-mandated, affordable health insurance plan designed to offer basic yet comprehen...

IRDAI-mandated policy
Covers AYUSH treatment
Family floater coverage

Hospitalization cover
Accident cover
Ambulance cover

Illegal activities
Drug abuse
Obesity

Oral chemotherapy
Immunotherapy
Robotic surgeries

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 5 Lakhs

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Critical Illness Health Insurance

Tata AIG Group EMI Protect Plan

The Tata AIG Group EMI Protect policy provides financial protection by covering EMIs if an insured employee cannot work due to an ...

In-patient hospitalization
Critical illness cover
Personal accident cover

In-patient hospitalization
Critical illness cover
Personal accident cover

Alcoholism
Illegal activities
Obesity treatments

Cancer cover
Organ transplant
Heart cover

Entry Age: 18 Years
SI: Opted as per schedule
Waiting Period: 30 Days
Plan Renewability: Lifelong

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Accident Health Insurance

Tata AIG Secured Future Plan

The Tata AIG Secured Future Plan is an accident-focused health insurance policy offering financial protection to earning family me...

Accidental death cover
Financial protection benefit
PTD & dismemberment cover

Income benefit
Accident cover
Disability cover

Pre-existing diseases (PEDs)
STDs
Alcoholism

Individual plan
1 year policy
Affordable premiums

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: N/A
Sum Insured: Up to ₹35
000

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Top Up and Super Top Up

Medicare Plus Plan

TATA AIG Medicare Plus is an affordable top-up health policy, activating once a base plan's sum insured is exhausted and a deducti...

Lifetime Renewability
High Sum Insured Options
Quick Buying Process

Global Coverage
Cumulative Bonus
Tax Benefit
Family Discount

No gender change treatment
Existing disability
Injuries due to breach of law
Injuries due to aviation
Suicide cover not included

Consumables Benefits
In-patient Dental Treatment
Ambulance Cover
AYUSH Benefits
Domiciliary Treatment

Minimum Entry Age: 18 years
Maximum Entry Age: 65 years
Sum Insured: ₹3 Lakhs - ₹1 Crore
Waiting Period: 30 days

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Individual and Family Health Insurance

Tata AIG Medicare Plan

The TATA AIG Medicare plan is a comprehensive health insurance option for individuals aged 5-65, designed to cover rising medical ...

Vaccination Covered
AYUSH Covered
Quick Claim Process

Global coverage
540+ day care treatments
Qualified nurse
Room rent
Organ donor

Injury due to suicide attempt
Death due to drugs
STDs
Injuries due to breach of law

AYUSH benefit
Health checkup
Bariatric surgery cover
Vaccination cover

Entry age: 18 years
Maximum entry age: 65 years
Sum Insured: ₹3 Lakh - ₹20 Lakh
Waiting period: 30 days

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Family

TATA AIG Supercharge Plan

The TATA AIG Health Supercharge Plan significantly boosts health coverage with a 5x Supercharge Bonus, increasing the sum insured ...

5X Enhanced Benefits
2 Impressive Variants To Choose
Complete AYUSH Coverage

5x benefits
5% extra discount for youngsters
2 plan variants
AYUSH treatment

Obesity treatment
Gender change treatment
Maternity coverage
Acts of war

Unlimited recharge
Wellness benefits
Easy claim process
Restore benefit
Pan India coverage

Entry Age: 90 days
Maximum Entry Age: No limit
Sum Insured (SI): INR 5 Lakh to 20 Lakh
Waiting Period: 30 days.

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Shriram Health Insurance

Shri Health Suraksha Plan

Shriram's Shri Health Suraksha Plan is a comprehensive indemnity health insurance offering, covering modern and AYUSH treatments w...

Comprehensive Coverage
Multiple Sum Insured
Benefits

Multiple sum insured
Family cover
Ambulance cover

Illegal activities
Obesity treatments
HIV
Adventure sports

ICU fees
doctor fees
Blood and oxygen expenses
Tax benefits

Min entry age: NA
Max Entry age: NA
Sum Insured: Multiple
Waiting Period: 30 days

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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