Critical Illness Plan
  • Lifetime Renewability
  • Wide Coverage Option
  • Inclusions and Exclusions

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TATA AIG Critical illness Plan

The Critical illness plan offered by Tata AIG Health Insurance is a special and a fixed health insurance policy that covers major critical illnesses and medical treatments. This plan offers a lump sum amount on the diagnosis of certain critical illnesses. The compensation in the form of money gives additional security to the policyholder for the treatment of the disease and helps them overcome any financial stress/burden. It can be bought along with a general health policy for availing a wide coverage in hard/critical times. The plan is available without having any medical examination test and also provides the facility of a second opinion, if the policyholder is suffering from a covered illness.


Minimum Entry Age 18 years
Maximum Entry Age 65 years
Policy Tenure 1 year

**Last Updated on 05-05-2021

Key Features and Benefits of TATA AIG Critical illness Plan

The prominent key features of Tata AIG Critical Illness are,

  • Lifetime renewability on the premiums paid without any break can save your pocket from additional financial stress.
  • The plan is available for individuals of up to 65 years
  • Under this health insurance plan, 11 critical illnesses are covered.
  • In order to avail of this policy, no medical test or examination is required.
  • It offers a wide coverage option ranging from Rs.2.5 Lakhs to Rs. 15 lakhs.
  • This plan provides you with an option of a second opinion to confirm the diagnosis of critical illness available. You can also visit another doctor/hospital for a second opinion.
  • In case if you want to port your policy from one insurer to the other, the credit gained for the pre-existing conditions and time-bound exclusions along with accrued benefits coming under the individual health insurance policy (including the family cover) are also transferred.
  • Get the benefit on income tax on the premiums paid under section 80(D) of the Income Tax Act.
  • This plan offers a free look period of 15 days from the date of the receipt of the policy document to review the terms & conditions of this policy. When you are dissatisfied with the policy documents, terms, and conditions, you have the option of cancelling the policy. After applying for the cancellation, the amounts shall be refunded to the policyholder.
  • The covered critical ailments are: Heart attack
    1. Cancer
    2. Stroke
    3. Open Chest CABG
    4. Kidney failure
    5. Organ transplant
    6. Bone marrow transplant
    7. Blindness
    8. Coma
    9. Major Burns
    10. Multiple Sclerosis
    11. Paralysis

Note - The diseases mentioned above are limited to a certain set of conditions. For more information, refer to Policy Wording on the Tata AIG website.

Details of the plan

Minimum Sum Assured 2.5 lakhs
Maximum Sum Assured 15 lakhs
Type of Coverage Individual
No claim bonus NA
Grace Period 30 days for policy renewing
Policy Termination 3 months before the policy expiry date

**Last Updated on 05-05-2021

Sample Premium Rates

This table illustrates the premium payable by an individual under this plan at different ages for the sum insured 5 lakhs. Let's understand this with the help of a graph,

Age Premium Rates at SI 5 Lakh
30 3237
40 8448
50 23652

**Last Updated on 05-05-2021

Graph Illustrating the Sample Premium Rates at Different Ages

Sample Premium Illustration of TATA AIG Critical Illness Plan at Different Ages

Now, Let's understand the premium payable at the different sum insured options with the help of a graph,

Sum Insured Premium (in Rs)
2.5 Lakh 1704
3.5 Lakh 2314
5 Lakh 3237
7.5 lakh 4702
10 lakh 6133
15 lakh 8892

**Last Updated on 05-05-2021

Graph Illustrating the Sample Premium Rates With Different Sum insured Options

Sample Premium Illustration of TATA AIG Critical Illness plan With Different Sum insured Options

Exclusions of TATA AIG Critical illness plan

The major inclusions of the TATA AIG Critical illness plan are,

  • Mental illness/disorder treatment
  • In case of claims processing under this plan, a waiting period of 90 days after the commencement of the policy is applicable.
  • Any pre-existing illness or any complication associated with it.
  • Self-inflicted injuries
  • Any critical illness resulting from a physical or mental existed before the issuing of the policy date.
  • Any disease or illness other than the specified critical illnesses on the policy documents
  • Sexually transmitted diseases
  • HIV AIDS infections/ Venereal diseases
  • Expenses related to Maternity, childbirth, and pregnancy
  • Congenital abnormalities or disorders
  • Mental disorders or illnesses
  • Cosmetic surgeries and Robotic surgeries
  • Accidental injuries due to war, nuclear invasions

How to Contact Tata AIG Health Insurance?

Tata AIG Health Insurance Customer Care Number - 1800 266 7780

Address - Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.7/5 (15 Total Rating)

May 5, 2021

Sunita Kukreja


Thanks to policyx. they guided me very well because i want to buy tata aig plans. The company is very good. No complaints and all queries resolved quickly.

April 30, 2021

Ila Kapoor


I bought this policy because my sister referred this company to me. Honestly i am very much satisfied with the services. Good Company.

May 5, 2021

Kajal Sharma


Medicare plus plan from tata aig is the best plan. It provides you all benefits you need. Morover, their customer service is commendable. Really happy.

May 3, 2021

Kamini Rathi


Tata aig is a good company and their insurance plans are very reliable. My friend suggested me to buy this plan. Now i am satisfied

April 6, 2018



I have my Wellsurance Family Policy with Tata Aig Health Insurance from past 3 years. The policy coverage will be for 5 lakhs rupees. This policy have the coverage for my family as well.

Last updated on 05-05-2021

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