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

Network hospitals

10,000+

premium

Incurred claim ratio

78.33%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

10

premium

Solvency Ratio

3.9

premium

Pan India Presence

220

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10,000+

premium

Incurred claim ratio

78.33%

premium

Sum insured

Up to 3 CR

premium

No. of Plans

10

premium

Solvency Ratio

3.9

premium

Pan India Presence

220

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

Other Maternity Health insurance Companies

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 Criteria Specifications
Minimum age limit 18 years
Maximum age limit 65 years (in family-floater plans)
Sum insured INR 5 - 50 Lakhs
Waiting period 4 years
Policy tenure 1/2/3 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.

Explore Other TATA AIG Health Plans

TATA AIG health offers a wide range of health insurance plans to fulfil the medical needs of individuals, families, and senior citizens.

Top-up Plan

TATA AIG's Health Supercharge plan offers a five fold enhancement in your health insurance coverage.

Unique Features

  • 5x benefits
  • 5% extra discount for youngsters
  • Family floater plan

TATA AIG Supercharge (Pros)

  • Comes with 2 kinds of plans
  • Covers medical devices.
  • Covers AYUSH treatment
  • Covers tele-consultation services
  • Covers wellness services

TATA AIG Supercharge (Cons)

  • Obesity treatment unavailable
  • Excludes change of gender treatment
  • Maternity cover not included
  • Act of war not included
  • Excludes cosmetic treatment

TATA AIG Supercharge (Other Benefits)

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

TATA AIG Supercharge (Eligibility Criteria)

  • Entry Age- 90 days
  • Max entry age- no limits
  • SI- INR 5L to 20L
  • Waiting Period- 30 days

Top-up Plan

The plan is specially designed to cater to the healthcare needs and post-operative care of elderly individuals.

Unique Features

  • Post-operative care
  • Home care treatment
  • Home physiotherapy

Tata AIG Elder Care(Pros)

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

Tata AIG Elder Care(Cons)

  • Obesity/weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered
  • Rest, cure & rehabilitation

Tata AIG Elder Care(Other Benefits)

  • Cumulative bonus
  • Daycare procedures
  • Medical second opinion
  • Medical second opinion
  • AYUSH treatment cover

Tata AIG Elder Care(Eligibility Criteria)

  • Entry Age - 61 years
  • Max Entry Age - 85 Years
  • SI - 5 - 25 Lakhs
  • Waiting Period - 30 Days

Comprehensive Plan

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Top-up Policy

An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.

Unique Features

  • Global Coverage
  • Cumulative Bonus
  • Tax Benefit

Tata AIG Medicare Plus (Pros)

  • In-patient Treatment
  • Long Term Discount
  • Family Discount
  • Day Care Procedures
  • Lifelong Renewal

Tata AIG Medicare Plus (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Medicare Plus (Other Benefits)

  • Consumables Benefit
  • In-patient Dental Treatment
  • Ambulance Cover
  • AYUSH Benefit
  • Domiciliary Treatment

Tata AIG Medicare Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 1 Cr
  • Waiting Period - 30 Days

Standard plan

TATA AIG Arogya Sanjeevani Policy

A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.

Unique Features

  • Cataract Treatment covered
  • AYUSH Coverage
  • Flexible Premium Payment

Arogya Sanjeevani Policy (Pros)

  • Robotic Surgeries
  • Oral chemotherapy
  • BronchialThermoplasty
  • Day Care Procedures Covered
  • Bronchial Thermoplasty

Arogya Sanjeevani Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Intra Vitreal Injections
  • Road Ambulance Cover
  • Plastic Surgery
  • AYUSH treatment Cover
  • Cumulative Bonus

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Standard plan

A comprehensive plan designed for global cover for planned hospitalisation and high-end diagnostics.

Unique Features

  • Wellness Services
  • Compassionate Travel
  • Home Care Treatment

Medicare Premier (Pros)

  • Emergency Air Ambulance
  • Restore Benefit
  • Consumables Benefit
  • Home Physiotherapy
  • Wellness Program

Medicare Premier (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Premier (Other Benefits)

  • OPD Dental Treatment
  • First-year Vaccinations
  • In-Patient Treatment
  • Delivery Complications Cover
  • Second Opinion

Medicare Premier (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L - 3 Crore
  • Waiting Period - 30 Days

Standard plan

TATA AIG Group EMI Protect

The plan covers personal accidents and second opinions for groups. This plan also offers double-inpatient benefits for accidents.

Unique Features

  • End-stage Lung Failure
  • End-stage Liver Failure
  • Aplastic Anemia

Group EMI Protect (Pros)

  • Permanent Total Disability
  • Cataract
  • Retinal Detachment
  • Congenital Internal Diseases
  • Joint Replacement Surgeries

Group EMI Protect (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Group EMI Protect (Other Benefits)

  • Surgery for Hydrocele
  • Osteoporosis
  • Permanent Total Disability
  • Critical Illness
  • Parkinson’s disease

Group EMI Protect (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - NA

Standard plan

TATA AIG Medicare Protect

A comprehensive plan designed to cover hospitalization offering optional accidental death rider.

Unique Features

  • Restoration Benefit
  • Cumulative bonus
  • Consumables Benefit

Medicare Protect (Pros)

  • 540+ Day Care Procedures
  • In-Patient Treatment
  • Organ Donor
  • Domiciliary Treatment
  • Compassionate Travel

Medicare Protect (Cons)

  • Alcoholic Pancreatitis
  • Investigation and evaluation
  • Congenital External Diseases
  • Injuries/Death due to Aviation
  • No Suicide Cover

Medicare Protect (Other Benefits)

  • Health Checkup
  • AYUSH Benefit
  • Spouse Cover
  • Tax Benefit
  • Tele- Medical Examination

Medicare Protect (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -Lifetime
  • SI - 2 L - 5L
  • Waiting Period - 30 Days

Standard plan

TATA AIG Secured Future Plan

A plan that covers accidental hospitalization and accidental paralysis and dismemberment.

Unique Features

  • Accidental Death
  • Permanent Total Disability
  • Loss of Speech Cover

Secured Future Plan (Pros)

  • Hearing in One Ear
  • Congenital Anomaly
  • Accidental Injury
  • Pre-existing Disease
  • Hernia Cover

Secured Future Plan (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Secured Future Plan (Other Benefits)

  • Spouse Cover
  • Easy Renewal
  • Easy Portability
  • Medical Advice Cover
  • Hemiplegia Cover

Secured Future Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

Pradhan Mantri Suraksha Bima Yojana

A plan designed for a variety of demographics, including low-income groups, covers hospitalisation and death from accidents.

Unique Features

  • Death Cover
  • Loss of Sight Cover
  • Loss of Both Feet

PM Suraksha Bima Yojana (Pros)

  • Loan Benefit
  • Auto Debit Benefit
  • Nominal Premium
  • Long-Term Policy Tenure
  • Tax Benefits

PM Suraksha Bima Yojana (Cons)

  • Non-Permanent Disabilities
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

PM Suraksha Bima Yojana (Other Benefits)

  • Permanent Partial Disability
  • Easy Renewal
  • Total Partial Disability
  • One-year policy options
  • Easy Claim Settlement

PM Suraksha Bima Yojana (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - Upto 2 L
  • Waiting Period - NA

Standard plan

Janata Personal Accident Policy (Individual)

The plan provides financial protection in the form of accidental compensation. In the event of death, the plan offers 100% compensation.

Unique Features

  • Death Cover
  • Loss of Sight Cover
  • Loss of Both Feet

Janata Personal Accident Policy (Pros)

  • No Interest On Premium
  • Easy Application Process
  • Nominal Premium
  • Long-Term Policy Tenure
  • Tax Benefits

Janata Personal Accident Policy (Cons)

  • Non-Permanent Disabilities
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Janata Personal Accident Policy (Other Benefits)

  • Permanent Partial Disability
  • Easy Renewal
  • Total Partial Disability
  • One-year policy options
  • Easy Claim Settlement

Janata Personal Accident Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 25K - 1 L
  • Waiting Period - NA

Standard plan

Maharaksha Personal Injury Plan

A plan that provides coverage for accidental death and hospitalization. There are no limitations on hospitals under the plan.

Unique Features

  • Fractures Cover
  • Worldwide Coverage
  • Double Claim benefit

Maharaksha Personal Injury Plan (Pros)

  • Dislocation Cover
  • Burns Cover
  • Accidental Injury
  • Hospital Indemnity
  • Sum Insured Enhancement

Maharaksha Personal Injury Plan (Cons)

  • Age Benefit Reduce Above 71
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No STDs /AIDS Cover

Maharaksha Personal Injury Plan (Other Benefits)

  • Family Cover
  • Easy Renewal
  • Coverage Up to 75 Years
  • Easy Claim Settlement
  • Easy Application Process

Maharaksha Personal Injury Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - NA
  • Waiting Period - NA

Standard plan

Janata Personal Accident Policy (Group)

The plan offers the group financial security in case of accidental hospitalization and offers 100% compensation in the case of accidental death.

Unique Features

  • Death Cover
  • Loss of Sight Cover
  • Loss of Both Feet

Janata Personal Accident Policy (Group) (Pros)

  • No Interest on Premium
  • Easy Application Process
  • Nominal Premium
  • Long-Term Policy Tenure
  • Tax Benefits

Janata Personal Accident Policy (Group) (Cons)

  • Non-Permanent Disabilities
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Janata Personal Accident Policy (Group) (Other Benefits)

  • Permanent Partial Disability
  • Easy Renewal
  • Total Partial Disability
  • One-year Policy Options
  • Easy Claim Settlement

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - NA
  • Waiting Period - NA

Standard plan

Group Accident Guard Policy

The plan offers a lump sum benefit upon HIV diagnosis and offers financial security in the event of job loss.

Unique Features

  • Education Allowance
  • Trauma Counseling
  • Public Carrier Benefit

Group Accident Guard Policy (Pros)

  • Double Dismemberment Benefit
  • Animal Attack Cover
  • Permanent Partial Disability
  • Loss of Personal Effects
  • Temporary Total Disability

Group Accident Guard Policy (Cons)

  • No War Injury Cover
  • No Air Ambulance Service
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Group Accident Guard Policy (Other Benefits)

  • Consultation fees
  • Intensive Care unit
  • Accidental Miscarriage
  • Funeral Benefits
  • In-Hospital Daily Cash

Group Accident Guard Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

TATA Aig Group Personal Accident

The plan offers emergency accident medical coverage, emergency family travel, and alternate accident medical expenses.

Unique Features

  • Coma Cover
  • Documentation Loss Cover
  • Baggage Loss/Delay Cover

Group Personal Accident (Pros)

  • Family Transportation Benefit
  • Vehicle Modification Benefit
  • Loss of Speech
  • Bail Bond
  • Dental Cover

Group Personal Accident (Cons)

  • No War Injury Cover
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Group Personal Accident (Other Benefits)

  • Medical Expenses
  • lteration Cover
  • Loss of Passport
  • Common Disaster Benefit
  • Immediate Medical Treatment

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - NA

Standard plan

TATA Aig Auto Shield Policy

The plan provides reimbursement for accident hospitalization and covers disability caused by the accident.

Unique Features

  • Immediate Medical Treatment
  • Loss of Speech
  • Loss of Sight

TATA Aig Auto Shield Policy (Pros)

  • Intensive Care Unit
  • Physiotherapy Cover
  • Home/Vehicle Modification
  • Accidental Dismemberment
  • Accidental Permanent Total Disability

TATA Aig Auto Shield Policy (Cons)

  • No War Injury Cover
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

TATA Aig Auto Shield Policy (Other Benefits)

  • Permanent Partial Disability
  • Accidental Hospital Cash
  • Ambulance Charges
  • Surgical Treatment
  • Surgery Cover

TATA Aig Auto Shield Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - NA

Standard plan

TATA Aig Accident Shield Policy

The plan offers coverage for accidental death, accidental dismemberment, and disability caused due to accidents.

Unique Features

  • Child Tuition Benefit
  • Child Enhancement Benefit
  • Temporary Total Disability

Accident Shield Policy (Pros)

  • Family Transportation Benefit
  • Air Ambulance
  • Escalation Benefit
  • Loss of Hearing
  • Funeral Repatriation Benefits

Accident Shield Policy (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Accident Shield Policy (Other Benefits)

  • Fractures/Burns
  • Total Disablement Cover
  • Hospital Daily Cash
  • Accidental Death
  • Permanent Total Disability

Accident Shield Policy (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

The plan offers coverage for accidental death and disability caused due to accidents.

Unique Features

  • Temporary Total Disability
  • Child Enhancement Benefit
  • Child Tuition Benefit

Accident Guard Policy (Pros)

  • Family Transportation Benefit
  • Air Ambulance
  • Escalation Benefit
  • Loss of Hearing
  • Funeral Repatriation Benefits

Accident Guard Policy (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

Accident Guard Policy (Other Benefits)

  • Fractures/Burns
  • Total Disablement Cover
  • Hospital Daily Cash
  • Accidental Death
  • Permanent Total Disability

Accident Guard Policy (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

TATA Aig Accident Guard Plus

The plan offers coverage for accidental death, accidental dismemberment, and disability caused due to accidents.

Unique Features

  • Coma Benefit
  • Loan Shield
  • Child Tuition Benefit

TATA Aig Accident Guard Plus (Pros)

  • Cost of Artificial Limbs
  • Air Ambulance
  • Escalation Benefit
  • Loss of Hearing
  • Funeral Repatriation Benefits

TATA Aig Accident Guard Plus (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

TATA Aig Accident Guard Plus (Other Benefits)

  • Fractures/ Burns
  • Total Disablement Cover
  • Hospital Daily Cash
  • Accidental Death
  • Permanent Total Disability

TATA Aig Accident Guard Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

TATA Aig Saral Suraksha Bima

This is a simplified health insurance plan designed to provide affordable coverage and financial security to individuals.

Unique Features

  • Dental Treatment
  • Easy Renewal
  • Minimal Documentation

TATA Aig Saral Suraksha Bima (Pros)

  • Total Temporary Disablement
  • Installment Premium Payment
  • Cumulative Bonus
  • Hospitalization Expenses
  • 10% Education Grant

TATA Aig Saral Suraksha Bima (Cons)

  • No Alcoholism Cover
  • No War Injury Cover
  • No Cataract Cover
  • No Suicide Cover
  • No STD Cover

TATA Aig Saral Suraksha Bima (Other Benefits)

  • Partial Disablement Cover
  • Total Disablement Cover
  • Nursing Expenses Cover
  • Prosthetic Cover
  • ICU Cover

TATA Aig Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 5 cr
  • Waiting Period - 30 Days

Standard plan

TATA Aig Home Guard Plus Policy

The plan offers coverage for Personal accidents and natural calamity damages. The plan also includes theft and burglary coverage.

Unique Features

  • Loss of Employment
  • Cancer Cover
  • Funeral Expenses

TATA Aig Home Guard Plus Policy (Pros)

  • Education Benefit
  • Permanent Total Disability
  • Paralysis of Limbs
  • Permanent Paralysis of Limbs
  • First Heart Attack

TATA Aig Home Guard Plus Policy (Cons)

  • No Transient Ischemic Attacks
  • Traumatic injury of the brain
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

TATA Aig Home Guard Plus Policy (Other Benefits)

  • Education Benefit
  • Fire & Special Perils
  • Kidney Failure
  • Major Organ Transplant
  • Child Cover

TATA Aig Home Guard Plus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 3 Crore
  • Waiting Period - 30 Days

Standard plan

Group Medicare Micro Insurance Product

The plan offers corporate floater for critical illness as well as dental out-patient cover and vaccination cover.

Unique Features

  • Accidental Death
  • Education Benefit
  • Funeral Expenses

Group Medicare Micro Insurance Product (Pros)

  • Ambulance Cover
  • Organ Donor
  • Pre-Hospitalization
  • Post-Hospitalization
  • Maternity Cover

Group Medicare Micro Insurance Product (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Group Medicare Micro Insurance Product (Other Benefits)

  • Pre/Post Natal Cover
  • Family Transportation Benefit
  • Consumables Benefit
  • Nursing Allowance
  • Restore Sum Insured Benefit

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

TATA AIG Group Medicare 360

The plan provides reimbursement for accidental hospitalization and covers the expenses for qualified nurses and in-patient care.

Unique Features

  • OPD treatment
  • Pre-Existing Disease
  • New Born Baby

TATA AIG Group Medicare 360 (Pros)

  • Pre-hospitalization
  • Post-hospitalization
  • Maternity Expenses
  • Medically Necessary Treatment
  • Surgical Procedure

TATA AIG Group Medicare 360 (Cons)

  • No War Injury Cover
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

TATA AIG Group Medicare 360 (Other Benefits)

  • Family Transportation Benefit
  • Domiciliary Hospitalisation
  • Ambulance Charges
  • Organ Donor
  • Day Care Procedures

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

A comprehensive plan designed for global cover for accidental hospitalization and high-end diagnostics such as Chemotherapy and Radiotherapy.

Unique Features

  • Waiver of Premium
  • Psychiatric Counseling
  • Advanced Treatment for Cancer

Tata AIG Criti-MediCare (Pros)

  • Accidental Hospitalization
  • Health Check-up
  • Consumables Benefit
  • Home Physiotherapy
  • Wellness Benefit

Tata AIG Criti-MediCare (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Tata AIG Criti-MediCare (Other Benefits)

  • Post Traumatic Surgery
  • Hip replacement
  • Cancer 360 Degree Benefit
  • E-Policy Discount @ 2.5%
  • Multi Cover Discount @ 2.5%

Tata AIG Criti-MediCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L - 2 Crore
  • Waiting Period - 30 Days

Standard plan

Model Policy For Persons With Disabilities And HIV AIDS

The plan offers coverage for HIV/AIDS. Additionally, the plan covers acid attack victims and modern treatment

Unique Features

  • Mental Illness
  • Cerebral Palsy
  • Blindness

(Pros)

  • Multiple Sclerosis
  • Muscular Dystrophy
  • Leprosy Cured Persons
  • Parkinson's disease
  • Speech and Language Disability

(Cons)

  • No Sterility and Infertility
  • Maternity Cover
  • No Global Cover
  • Anti-Retroviral Treatment
  • No Suicide Cover

(Other Benefits)

  • Locomotor Disability
  • Dwarfism
  • Intellectual Disability
  • Specific Learning Disabilities
  • Thalassemia

(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4L to 5L
  • Waiting Period - 30 Days

Standard plan

Group Credit Secure Plus

The plan offers the group coverage for accidental death, accidental dismemberment, and accidental paralysis.

Unique Features

  • End Stage Renal Failure
  • Cancer Cover
  • Funeral Expenses

Group Credit Secure Plus (Pros)

  • Multiple Sclerosis
  • Bone Marrow Transplant
  • Open Heart Valve Replacement
  • Permanent Paralysis of Limbs
  • First Heart Attack

Group Credit Secure Plus (Cons)

  • No Transient Ischemic Attacks
  • Traumatic injury of the brain
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Group Credit Secure Plus (Other Benefits)

  • Education Benefit
  • Permanent Partial Disability
  • Worldwide Coverage
  • Major Organ Transplant
  • Child Cover

Group Credit Secure Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

Tata AIG Covid Protection Group Insurance

The group's hospitalization for COVID-19 is covered by the plan. This plan also includes coverage for, PPE kits, gloves, masks, and comparable other costs.

Unique Features

  • Cost of Pulse Oximeter
  • Cost of Oxygen Cylinder
  • Cost of Pulse Nebulizer

Covid Protection Group (Pros)

  • Daycare Procedures
  • AYUSH benefits
  • Family Discount
  • Discount To Healthcare Workers
  • Hospital Daily Cash

Covid Protection Group (Cons)

  • No War Injury Cover
  • No Obesity Treatment Cover
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Covid Protection Group (Other Benefits)

  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Ambulance Charges
  • Hospitalization Expenses
  • Health Check-ups

Covid Protection Group (Eligibility Criteria)

  • Entry Age - 0 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 15 Days

Standard plan

Tata AIG Group Hospi Cash

The plan offers fixed daily cash allowance during hospitalization, covering additional expenses and providing financial security.

Unique Features

  • Congenital Anomaly
  • Day Care Centre
  • Inpatient Care

Tata AIG Group Hospi Cash (Pros)

  • Maternity expenses
  • Intensive Care Unit
  • Medically Necessary Treatment
  • Osteoporosis
  • Non-Infective Arthritis

Tata AIG Group Hospi Cash (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Tata AIG Group Hospi Cash (Other Benefits)

  • Gout and Rheumatism
  • Prolapsed Uterus
  • Liver Cirrhosis
  • Cataract Cover
  • Kidney stone Treatment

Tata AIG Group Hospi Cash (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - Upto 5L
  • Waiting Period - 30 Days

Standard plan

Sakhi Tata AIG Maternal Care Micro

The plan provides coverage for major, intermediate, and minor maternal complications, as well as surgical complications.

Unique Features

  • Septic Shock
  • Family Transportation Benefit
  • Disseminated Intravascular Coagulation

Sakhi Maternal Care Micro (Pros)

  • Institutional Delivery Benefit
  • Congenital Anomalies
  • Cardiac disease
  • Eclampsia cover
  • High-Risk Pregnancy Check-up Benefit

Sakhi Maternal Care Micro (Cons)

  • No Non-Allopathic Treatment
  • No Sterility Cover
  • No Renewal Benefit
  • Injuries/Death due to Aviation
  • No Suicide Cover

Sakhi Maternal Care Micro (Other Benefits)

  • Postpartum Hemorrhage
  • Abruptio Placentae Cover
  • Placenta Previa
  • Uterine Rupture Means
  • Amniotic Fluid Embolism Cover

Sakhi Maternal Care Micro (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

Sakhi Tata AIG Maternal Care

The plan provides coverage for various maternal complications during pregnancy and childbirth, offering fixed benefit amounts for different conditions.

Unique Features

  • Inpatient Hospitalization Benefit
  • Family Transportation Benefit
  • Intensive Care Unit

Sakhi Tata AIG Maternal Care (Pros)

  • Institutional Delivery Benefit
  • Congenital Anomalies
  • Cardiac disease
  • Eclampsia cover
  • High-Risk Pregnancy Check-up Benefit

Sakhi Tata AIG Maternal Care (Cons)

  • No Non-Allopathic Treatment
  • No Sterility Cover
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Sakhi Tata AIG Maternal Care (Other Benefits)

  • Postpartum Hemorrhage
  • Abruptio Placentae Cover
  • Placenta Previa
  • Uterine Rupture Means
  • Amniotic Fluid Embolism Cover

Sakhi Tata AIG Maternal Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

Tata AIG Corona Kavach Policy

The plan provides coverage for COVID-19 hospitalization. This plan also covers home care treatment expenses, PPE Kit, gloves, mask and similar other expenses.

Unique Features

  • Cost of Pulse Oximeter
  • Cost of Oxygen Cylinder
  • Cost of Pulse Nebulizer

Tata AIG Corona Kavach Policy (Pros)

  • Daycare Procedures
  • AYUSH benefits
  • Family Discount
  • Hospital Daily Cash
  • 5% Discount To Healthcare Workers

Tata AIG Corona Kavach Policy (Cons)

  • No War Injury Cover
  • No Obesity Treatment Cover
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Corona Kavach Policy (Other Benefits)

  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Ambulance Charges
  • Hospitalization Expenses
  • Health Check-ups

Tata AIG Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 0 Years
  • Max Entry Age - 65 Years
  • SI - 50 K - 5 L
  • Waiting Period - 30 Days

Standard plan

Group Credit Secure Plus Micro Insurance Product

The plan offers the group coverage for critical illnesses, accidental death, accidental dismemberment, and accidental paralysis.

Unique Features

  • End Stage Renal Failure
  • Cancer Cover
  • 9 CI cover

Group Credit Secure Plus Micro (Pros)

  • Multiple Sclerosis
  • Bone Marrow Transplant
  • Open Heart Valve Replacement
  • Permanent Paralysis of Limbs
  • First Heart Attack

Group Credit Secure Plus Micro(Cons)

  • No Transient ischemic Attacks
  • Traumatic injury of the brain
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Group Credit Secure Plus Micro(Other Benefits)

  • Education Benefit
  • Permanent Partial Disability
  • Worldwide Coverage
  • Major Organ Transplant
  • Child Cover

Group Credit Secure Plus Micro(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 90 Days

Standard plan

TATA AIG Group Medicare

The plan provides critical illness coverage on indemnity for the group together with a corporate floater for all illnesses.

Unique Features

  • Accidental Death
  • Education Benefit
  • Funeral Expenses

TATA AIG Group Medicare (Pros)

  • Domiciliary Treatment
  • Organ Donor
  • Post-Hospitalization
  • Pre-Hospitalization
  • Maternity Cover

TATA AIG Group Medicare (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

TATA AIG Group Medicare (Other Benefits)

  • Pre/Post Natal Cover
  • Family Transportation Benefit
  • Consumables Benefit
  • Nursing Allowance
  • Restore Sum Insured Benefit

TATA AIG Group Medicare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Standard plan

Group Hospital Cash Micro Insurance Product

The plan includes coverage for accidental death and accidental medical reimbursement.

Unique Features

  • EMI Protection Benefit
  • Prolonged Hospitalization Benefit
  • Double Inpatient Hospital

Group Hospital Cash Micro(Pros)

  • Congenital Anomaly
  • Day Care Centre
  • Intensive Care Unit
  • Inpatient Care
  • Maternity Cover

Group Hospital Cash Micro(Cons)

  • Non-Allopathic Treatment
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Alzheimer’s Cover

Group Hospital Cash Micro(Other Benefits)

  • Medically Necessary Treatment
  • Inpatient Hospital Cash Benefit
  • Minimal Documentation
  • 10 Add-on Covers
  • EMI Protection Benefit

Group Hospital Cash Micro(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Tata AIG Health Insurance Maternity Coverage Plans: FAQ's

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

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality 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.