Tata AIG Health Maternity
  • Long-term floater discount
  • Wellness discounts & rewards
  • Extra cover for girl child
Tata AIG Health Maternity
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Tata AIG Health Insurance for Maternity

More than anything in this world, we all feel ourselves on the seventh sky when good news whispers around the house. But, why do we all end up having not enough backup for the expenses that demand maternity care?

Tata AIG health insurance maternity coverage ensures a smooth transitioning phase from being an individual to a parent. However, we don’t think twice about the expenses of delivery and our newborn’s after-birth care. This habit could lead you towards huge financial constraints, if not backed with maternity health insurance during the pregnancy period. So, what are you waiting for? Make the right decision at the right time and be prepared for any odds in advance.

Read the full article to know more about the key benefits, eligibility to buy, major features, inclusions and exclusions, and much more about the Tata AIG health insurance maternity coverage policy.

Features Related to Tata AIG Health Insurance Maternity Cover

The below-mentioned features of the Tata AIG maternity coverage health insurance plans are something you must know before buying such a policy:

  • The benefit of lifelong renewability
  • Individual/family-floater policy options
  • The minimum sum insured starts from INR 5 Lakhs up to a whopping INR 50 Lakhs
  • Cumulative bonus/no-claim bonus of the base sum insured
  • The restoration of the base sum insured benefit
  • Premium discount leverage ranging from 10- 32% based on plan specifications
  • Extended coverage benefit for the birth of a girl child
  • Provides coverage for the policyholder’s who is/are up to 65 years of age, etc

Tata AIG Health Insurance Plans With Maternity Cover

Tata AIG MediCare Premier plan and Tata AIG Sakhi- Parental Care plan are the two health insurance plans with maternity coverage. These maternity cover health insurance plans offer a wide range of facilitations related to the expenses of pregnancy, delivery, newborn care, and much more.

Eligibility Criteria For Buying Tata AIG Health Insurance Maternity Cover

Read below the eligibility criteria, the amount of offered sum insured, and the specified waiting period for buying Tata AIG maternity coverage health insurance plans:-

Eligibility CriteriaSpecifications
Minimum age limit18 years
Maximum age limit65 years (in family-floater plans)
Sum insuredINR 5 - 50 Lakhs
Waiting period4 years
Policy tenure1/2/3 years

Note: Generally, the maximum age limit for maternity coverage benefits under the health insurance policy is 45 years. However, this may vary from plan to plan. You should check the exact figures in your policy prospectus.

Key Benefits of Tata AIG Health Insurance Maternity Coverage

Before investing in a Tata AIG maternity coverage health insurance plan, you need to know the important coverage benefits that are mentioned below:

  • High sum insured

    The sum insured amount ranging from INR 5 Lakhs to 50 Lakhs is available to provide maximum maternity coverage
  • Cumulative bonus

    A specified cumulative bonus is added to the basic sum insured to offer more coverage under the policy
  • Maternity expenses

    Normal and caesarian delivery (unlimited or specified as per the policy documents), maternity hospitalisation. If the newborn is a girl child, the coverage is additionally complemented by 10% of the specified limit. The limit of maternity expenses covered is INR 50,000 in a policy year (INR 60,000 for girl child)
  • Wellness discounts

    If the insured lives healthily, there are availability of discounts on health check-ups, hospitalisation, premiums, OPD, etc.
  • Tax benefits

    The policyholder/s can avail of a tax exemption benefit under Section 80D of the Income Tax Act, 1961

Inclusions of Maternity Cover in Tata AIG Health Insurance

The scope of coverage for maternity and other related expenses under Tata AIG maternity health insurance are as follows:

  • OPD expenses for listed conditions up to a certain limit
  • Domiciliary hospitalisation expenses
  • Daycare procedures as per the policy documents
  • Pre-hospitalisation (60 days before hospital admission) and post-hospitalisation (90 days post-discharge)
  • Maternity coverage according to the times of the event mentioned in your policy documents for normal, caesarian, and ectopic
  • Bariatric deliveries
  • Vaccination expenses for the newborn baby up to the required tenure
  • Preventive health checkups until a specified limit for complications during pregnancy
  • Road and air ambulance for emergency

Exclusions of Tata AIG Maternity Cover Health Insurance

The Tata AIG health insurance for maternity provides cover for several maternity and childbirth-related conditions. It has some exclusions as well, specifications of which are given below:

  • Self-inflicted injury
  • Alcohol or drug abuse
  • Pre-natal and post-natal expenses (unless the plan has specified coverage for it)
  • Pre-existing conditions
  • Risky or life-threatening adventure or sports-related injury/accident
  • Sterility and infertility treatment expenses
  • Congenital diseases are not covered
  • Ante-natal check-ups
  • Routine check-ups or doctor’s prescriptions
  • Pregnancy conditions that involve surrogacy
  • Non-allopathic treatment expenses

Others, as specified in the terms and conditions of your policy document.

Note: All the inclusions and exclusions related to the Tata AIG health insurance maternity coverage are just a common reflection of the maternity insurance plans. However, these may vary from one plan to the other, depending on which plan have you opted for.

Long Story Short

To bear maternity and childbirth-related expenses is a vital task nowadays. The treatment and operation costs related to pregnancy drain out all the major savings of the parent-to-be. Think ahead of time and as per your future family planning needs, buy a health insurance policy with maternity coverage. Tata AIG maternity coverage health plans provide all the potential assistance related to your parenthood/motherhood. Rest, you can be assured that you are covered for an extended period with your newborn baby.

To clear any confusion on Tata AIG health insurance plans for maternity, give a call on 1800 4200 269 and get a free consultation with the maternity insurance experts of PolicyX.com.

TATA AIG Health Insurance Company Network Hospital List

TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company ensures that you are medically secured, irrespective of the city you reside in.

Explore other TATA AIG Health Insurance Company

To cater to the different medical needs of an individual & their family, TATA AIG Health Insurance Company offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to TATA AIG Health Insurance Company plans explore more:

Accident Health Insurance

Life is very uncertain, you never know what will happen to you in the next second. Are you prepared for that? Nonetheless, to make you ready for life&...

Unique Features

  • Comprehensive accident care
  • Coverage for child education
  • No waiting period

TATA AIG Accident Guard Plan (Pros)

TATA AIG Accident Guard Plan
  • Temporary total disability
  • Child enhancement benefit
  • Air ambulance
  • Loss of hearing

TATA AIG Accident Guard Plan (Cons)

TATA AIG Accident Guard Plan
  • No alcoholism cover
  • No war injury cover
  • No cataract cover
  • No STD cover

TATA AIG Accident Guard Plan (Other Benefits)

TATA AIG Accident Guard Plan
  • Fractures
  • Burns
  • Total disablement cover
  • Accidental death

TATA AIG Accident Guard Plan (Eligibility Criteria)

TATA AIG Accident Guard Plan
  • Entry age- 6 months
  • Max entry age- 65 years
  • SI- NA
  • Waiting period- 30 days

Individual and Family Health Insurance

TATA AIG medicare premier is an all-around health insurance plan offering you the latest and best health care features. Available on an individual and...

Unique Features

  • Eligibility Criteria
  • Benefits and Features
  • Inclusions and Exclusions

Medicare Premier Plan (Pros)

Medicare Premier Plan
  • Wellness service
  • Compassionate travel. Home care
  • Restore benefit

Medicare Premier Plan (Cons)

Medicare Premier Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • Injuries due to breach of law
  • STDs

Medicare Premier Plan (Other Benefits)

Medicare Premier Plan
  • OPD dental treatment
  • First-year vaccinations
  • In-patient treatment
  • Second medical opinion

Medicare Premier Plan (Eligibility Criteria)

Medicare Premier Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 5 L to 3 Cr
  • Waiting period- 30 days

Critical Illness Health Insurance

Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back. Tata AI...

Unique Features

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

TATA AIG Criti MediCare Policy (Pros)

TATA AIG Criti MediCare Policy
  • Complete cancer coverage
  • hospital cash
  • Covers over 100 critical illnesses

TATA AIG Criti MediCare Policy (Cons)

TATA AIG Criti MediCare Policy
  • Self-harm not covered
  • No international coverage
  • Adventure sports injury not covered

TATA AIG Criti MediCare Policy (Other Benefits)

TATA AIG Criti MediCare Policy
  • Discount on premiums
  • Tele medical examination
  • Tax benefits

TATA AIG Criti MediCare Policy (Eligibility Criteria)

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

Senior Citizen Health Insurance

Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan. Tata AIG Elder Care is tailored to offer high-...

Unique Features

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

Tata AIG Elder Care Insurance Plan (Pros)

Tata AIG Elder Care Insurance Plan
  • Preventive health check-up
  • Pre-hospitalisation cover
  • Post-hospitalisation cover
  • Compassionate visit
  • In-patient treatment

Tata AIG Elder Care Insurance Plan (Cons)

Tata AIG Elder Care Insurance Plan
  • Obesity/weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered

Tata AIG Elder Care Insurance Plan (Other Benefits)

Tata AIG Elder Care Insurance Plan
  • Cumulative bonus
  • Daycare procedures
  • Medical second opinion
  • AYUSH treatment cover

Tata AIG Elder Care Insurance Plan (Eligibility Criteria)

Tata AIG Elder Care Insurance Plan
  • Entry age- 61 years
  • Max entry age- 85 years
  • SI- 5-25 Lakhs
  • Waiting Period- 30 days

Top Up and Super Top Up

TATA AIG Medicare Policy offered by Tata AIG is an affordable top-up policy that is designed to look after your and your family's healthcare needs. Me...

Unique Features

  • Lifetime Renewability
  • High Sum Insured Options
  • Quick Buying Process

Medicare Plus Plan (Pros)

Medicare Plus Plan
  • Global coverage
  • Cumulative bonus
  • Tax benefit
  • Family discount

Medicare Plus Plan (Cons)

Medicare Plus Plan
  • No gender change
  • Any existing disability
  • Injuries due to breach of law
  • Injuries due to aviation
  • No suicide cover

Medicare Plus Plan (Other Benefits)

Medicare Plus Plan
  • Consumables benefits
  • In-patient dental treatment
  • Ambulance cover
  • AYUSH Benefits
  • Domiciliary treatment

Medicare Plus Plan (Eligibility Criteria)

Medicare Plus Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 1 Cr
  • Waiting period- 30 days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Individual

To ensure total health coverage for women, Tata AIG Health Insurance has introduced the Wellsurance Women Policy. This plan is specially designed to p...

Unique Features

  • Designed for Women
  • Check your Eligibility
  • Quick Claim Process

TATA AIG Wellsurance Women Policy (Pros)

TATA AIG Wellsurance Women Policy
  • Cashless hospitalisation
  • Daily cash benefit
  • Post-hospitalisation

TATA AIG Wellsurance Women Policy (Cons)

TATA AIG Wellsurance Women Policy
  • Any pre-existed illnesses or any complications
  • STDs
  • Self-inflicted injuries /Attempted suicide
  • Mental or nervous disorder

TATA AIG Wellsurance Women Policy (Other Benefits)

TATA AIG Wellsurance Women Policy
  • Free helpline
  • Discount offerings on health and wellness
  • Tax benefits

TATA AIG Wellsurance Women Policy (Eligibility Criteria)

TATA AIG Wellsurance Women Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 7 L

Family

TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan opens the availability to different...

Unique Features

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

TATA AIG Supercharge Plan (Pros)

TATA AIG Supercharge Plan
  • 5x benefits
  • 5% extra discount for youngsters
  • 2 plan variants
  • AYUSH treatment

TATA AIG Supercharge Plan (Cons)

TATA AIG Supercharge Plan
  • Obesity treatment unavailable
  • Change of gender treatment
  • Maternity cover
  • Act of war not included

TATA AIG Supercharge Plan (Other Benefits)

TATA AIG Supercharge Plan
  • Unlimited recharge
  • Wellness benefits
  • Easy claim process
  • Restore benefit
  • Pan India coverage

TATA AIG Supercharge Plan (Eligibility Criteria)

TATA AIG Supercharge Plan
  • Entry age- 90 days
  • Max entry age- no limit
  • SI -INR 5 L to 20 L
  • Waiting period- 30 days

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Tata AIG Health Maternity: FAQs

1. Is maternity covered in Tata AIG health insurance?

Yes, there are a few plans of Tata AIG health insurance that provide coverage for maternity care, which are mentioned below:- Tata AIG MediCare Premiere plan Tata AIG Sakhi- Maternal Care plan

2. What is the waiting period for Tata AIG maternity health insurance?

Tata AIG health insurance offers maternity coverage with their plans after a waiting period of 4 years. The waiting period for availing maternity benefits can be reduced to 90 days with the specific plan- Tata AIG Sakhi Maternal Care policy.

3. Can I buy Tata AIG maternity health insurance after getting pregnant?

No, there is no maternity coverage for an already pregnant woman under Tata AIG health insurance plans for maternity.

4. For how long does Tata AIG health insurance cover maternity expenses?

Maternity hospitalisation is covered for 30 days before and 60 days after hospitalisation with maternity cover of Tata AIG maternity health policy.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.