Network hospitals
10,000+
Incurred claim ratio
78.33%
Sum insured
Up to 3 CR
No. of Plans
10
Solvency Ratio
3.9
Pan India Presence
220
Network hospitals
10,000+
Incurred claim ratio
78.33%
Sum insured
Up to 3 CR
No. of Plans
10
Solvency Ratio
3.9
Pan India Presence
220
TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. This upgraded and simplified plan covers persons from the age of 5 years to the age of 65 years.
TATA AIG Medicare plan offers several benefits such as lifelong renewal, restore benefits, global cover, and a strong tie-up with 7,200+ network hospitals across India. Along with several benefits, the plan offers three variants to choose from that are- Medicare, Medicare Protect & Medicare Premier. Let's understand this plan in more detail for better understanding.
Tata AIG Health Insurance
SI OPTIONS: Medicare
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered
Daycare Treatment
540+ daycare procedures covered
OPD Charges
Not covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
50% increase in cumulative bonus for every claim free year
Automatic Restoration
Up to 100% SI restoration once during policy period
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered up to 3K
Air Ambulance
Not Covered
Compassionate Travel
Covered
Global Coverage
Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Not Applicable
SI OPTIONS: Medicare Protect
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered
Daycare Treatment
540+ daycare procedures covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
10% increase in cumulative bonus for every claim free year
Automatic Restoration
Up to 100% SI restoration once during policy period
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered up to 1K
Air Ambulance
Not Covered
Compassionate Travel
Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Not Applicable
SI OPTIONS: Medicare Premier
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered
Daycare Treatment
540+ daycare procedures covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
50% increase in cumulative bonus for every claim free year
Automatic Restoration
Up to 100% SI restoration once during policy period
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered up to 5K
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Not Applicable
Sub-limits
Not Applicable
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under TATA AIG Medicare Plan?
Under TATA AIG Medicare Plan, the room rent is covered
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under TATA AIG Medicare Plan?
Under this plan, ICU charges coverage is available
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
TATA AIG Medicare Protect: This plan covers medical expenses incurred during post-hospitalization for up to 30 days.
TATA AIG Medicare Premier: This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: This plan covers medical expenses incurred during post-hospitalization for up to 90 days.
TATA AIG Medicare Protect: This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
TATA AIG Medicare Premier: This plan covers medical expenses incurred during post-hospitalization for up to 90 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under TATA AIG Medicare Plan?
Under TATA AIG Medicare Plan, domiciliary hospitalizations are covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under TATA AIG Medicare Plan?
This plan covers expenses of 540+ daycare procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: Not Covered under this variant
TATA AIG Medicare Protect: Not Covered under this variant
TATA AIG Medicare Premier: Medicare Premier covers the cost of consultations and medications required up to INR 5,000 per year after two years of continuous coverage. Also, the plan covers the cost of root canals, extractions, and fillings, up to a maximum of INR 10,000 per year.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under TATA AIG Medicare Plan?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under TATA AIG Medicare Plan?
The plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: For every claim-free year, the plan offers a 50% increase in cumulative bonus upto a maximum of 100%. However if the claims are made during the policy year, the cumulative bonus would reduce by 50% in the following year.
TATA AIG MediCare Protect: For every claim-free year, the plan offers a 10% increase in cumulative bonus upto a maximum of 100%. However if the claims are made during the policy year, the cumulative bonus would reduce by 10% in the following year.
TATA AIG Medicare Premier: For every claim-free year, the plan offers a 50% increase in cumulative bonus. However if the claims are made during the policy year, the cumulative bonus would reduce by 50% in the following year.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under TATA AIG Medicare Plan?
The plan reloads the sum insured amount by 100% in case your base sum insured is exhausted.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: The plan offers daily cash benefits of up to INR 2,000 per day if an insured opts to share a room in a network hospital. Also, a fixed amount of money will be provided to the adult accompanying the covered child (under the age of 12) for each continuous and completed 24-hour period up to INR 2,000 per day.
TATA AIG MediCare Premier: The plan offers daily cash benefits of up to INR 2,000 per day if an insured opts to share a room in a network hospital. Also, a fixed amount of money will be provided to the adult accompanying the covered child (under the age of 12) for each continuous and completed 24-hour period up to INR 2,000 per day.
TATA AIG MediCare Protect: The daily hospital cash is not available under the plan.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under TATA AIG Medicare Plan?
Under the plan, Organ Donor expenses are covered.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: Maternity expenses are not covered under the plan.
TATA AIG MediCare Premier: After a waiting period of 4 years of continuous cover, the maternity expenses are covered up to INR 50,000 per policy year. Also, in case the baby girl is born, the plan will cover up to INR 60,000.
TATA AIG MediCare Protect: Maternity expenses are not covered under the plan.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: New Born Baby cover is not available under the plan.
TATA AIG MediCare Premier: The plan covers the treatment expenses that arise due to the delivery complications up to INR 10,000 as long as the maternity claim is accepted
TATA AIG MediCare Protect: New Born Baby cover is not available under the plan
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under TATA AIG Medicare Plan?
AYUSH treatment is covered under this plan
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under TATA AIG Medicare Plan?
Not available under this plan
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under TATA AIG Medicare Plan?
Not available under this plan
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: The plan covers the ambulance expenses up to INR 3000
TATA AIG MediCare Premier: This plan covers Ambulance charges up to INR 5000.
TATA AIG MediCare Protect: This plan covers Ambulance charges up to INR 1000.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: The plan does cover the air ambulance expenses
TATA AIG MediCare Premier: This plan covers air ambulance charges.
TATA AIG MediCare Protect: The plan does cover the air ambulance expenses
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under TATA AIG Medicare Plan?
The plan covers the cost of an immediate family member's travel after five consecutive days of hospitalization up to a maximum of INR 20,000
Any kind of medical/health emergency when you are outside of India.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: The plan covers hospitalization expenses globally.
TATA AIG MediCare Premier: The plan covers hospitalization expenses globally.
TATA AIG MediCare Protect: Global coverage is not available.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under TATA AIG Medicare Plan?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under TATA AIG Medicare Plan?
The plan offers Health Check-up benefits up to a maximum of 1% of the policy sum insured or INR 10,000, whichever is lower.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: One can avail a second opinion from a network provider or physician if they have been diagnosed with a covered disease.
TATA AIG MediCare Premier: One can avail a second opinion from a network provider or physician if they have been diagnosed with a covered disease.
TATA AIG MediCare Protect: Not covered under the plan
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under TATA AIG Medicare Plan?
TATA AIG Medicare: Not Covered under the plan
TATA AIG MediCare Premier: If you have chosen to insure your kid under our insurance as well, then the plan will cover the cost of the first-year vaccinations up to INR 10,000 for a son and up to INR 15,000 for a daughter
TATA AIG MediCare Protect: Not covered under the plan
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under TATA AIG Medicare Plan?
Co-payment is not applicable.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under TATA AIG Medicare Plan?
No sub-limits are available
Permanent Exclusions | Coverage after Waiting Period
Permanent diseases or health conditions that are not included under star comprehensive insurance plan are
Intentional self-injury,
Suicide,
Cosmetic & aesthetic treatment,
Hospitalization out of war, riot, strike, and nuclear weapons.
AIDS,
Congenital disease,
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
24 Months
36 Months
We have illustrated the sample premiums of all the three variants of TATA AIG Medicare policy with different family sizes. The below table illustrates the premium payable by an individual for a sum insured of INR 5 lakh.
| Family Size | 1 Adult | 2 Adults | 2 Adults+1 Child |
| Annual Premium (in Rs.) | 7,934 | 12,695 | 15,888 |
| Family Size | 1 Adult | 2 Adults | 2 Adults+1 Child |
| Annual Premium (in Rs.) | 10,156 | 12,710 | 15,376 |
| Family Size | 2 Adults | 2 Adults+1 Child | 2 Adults+2 Kids |
| Annual Premium (in Rs.) | 10,156 | 12,710 | 15,376 |
TATA AIG Medicare policy is a comprehensive health insurance plan that offers numerous key features and benefits to its customers. Let's look at a few important key features of the TATA Medicare plan:
Get coverage for the expenses incurred on Bariatric Surgery treatment related to weight and obesity control.
Covers the expenses incurred on certain listed consumables which are consumed during the process of hospitalization.
It covers the expenses incurred on the HPV vaccination i.e., Human Papilloma Virus and Hepatitis B Vaccine. This is offered after 2 years of continuous coverage under this plan. The anti-rabies and typhoid vaccination are also covered without any waiting period.
The plan offers tax-saving benefits on the paid premiums under section (80D) of the Income Tax Act.
A predetermined amount of 1% of the insured amount will be given if the insured person has to stay in the hospital for more than 10 days due to a covered illness or accident.
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
Top-up Policy
An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.
Unique Features
Standard plan
A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.
Unique Features
Standard plan
A comprehensive plan designed for global cover for planned hospitalisation and high-end diagnostics.
Unique Features
Standard plan
The plan covers personal accidents and second opinions for groups. This plan also offers double-inpatient benefits for accidents.
Unique Features
Standard plan
A comprehensive plan designed to cover hospitalization offering optional accidental death rider.
Unique Features
Standard plan
A plan that covers accidental hospitalization and accidental paralysis and dismemberment.
Unique Features
Standard plan
A plan designed for a variety of demographics, including low-income groups, covers hospitalisation and death from accidents.
Unique Features
Standard plan
The plan provides financial protection in the form of accidental compensation. In the event of death, the plan offers 100% compensation.
Unique Features
Standard plan
A plan that provides coverage for accidental death and hospitalization. There are no limitations on hospitals under the plan.
Unique Features
Standard plan
The plan offers the group financial security in case of accidental hospitalization and offers 100% compensation in the case of accidental death.
Unique Features
Standard plan
The plan offers a lump sum benefit upon HIV diagnosis and offers financial security in the event of job loss.
Unique Features
Standard plan
The plan offers emergency accident medical coverage, emergency family travel, and alternate accident medical expenses.
Unique Features
Standard plan
The plan provides reimbursement for accident hospitalization and covers disability caused by the accident.
Unique Features
Standard plan
The plan offers coverage for accidental death, accidental dismemberment, and disability caused due to accidents.
Unique Features
Standard plan
The plan offers coverage for accidental death and disability caused due to accidents.
Unique Features
Standard plan
The plan offers coverage for accidental death, accidental dismemberment, and disability caused due to accidents.
Unique Features
Standard plan
This is a simplified health insurance plan designed to provide affordable coverage and financial security to individuals.
Unique Features
Standard plan
The plan offers coverage for Personal accidents and natural calamity damages. The plan also includes theft and burglary coverage.
Unique Features
Standard plan
The plan offers corporate floater for critical illness as well as dental out-patient cover and vaccination cover.
Unique Features
Standard plan
The plan provides reimbursement for accidental hospitalization and covers the expenses for qualified nurses and in-patient care.
Unique Features
Standard plan
A comprehensive plan designed for global cover for accidental hospitalization and high-end diagnostics such as Chemotherapy and Radiotherapy.
Unique Features
Standard plan
The plan offers coverage for HIV/AIDS. Additionally, the plan covers acid attack victims and modern treatment
Unique Features
Standard plan
The plan offers the group coverage for accidental death, accidental dismemberment, and accidental paralysis.
Unique Features
Standard plan
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
Standard plan
The plan offers fixed daily cash allowance during hospitalization, covering additional expenses and providing financial security.
Unique Features
Standard plan
The plan provides coverage for major, intermediate, and minor maternal complications, as well as surgical complications.
Unique Features
Standard plan
The plan provides coverage for various maternal complications during pregnancy and childbirth, offering fixed benefit amounts for different conditions.
Unique Features
Standard plan
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
Standard plan
The plan offers the group coverage for critical illnesses, accidental death, accidental dismemberment, and accidental paralysis.
Unique Features
Standard plan
The plan provides critical illness coverage on indemnity for the group together with a corporate floater for all illnesses.
Unique Features
Standard plan
The plan includes coverage for accidental death and accidental medical reimbursement.
Unique Features
TATA AIG Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
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No medicals/No Tele- Medical Examination Report is required for upto 45 years.
Yes, the plan offers a Family floater discount wherein one can avail 20% discount for 2 members, 28% discount for 3 members & 32% discount for more than 3 members.
Also, one can avail Policy tenure discount wherein the plan offers a 5% long-term discount on 2-year tenure & 10% long-term discount on 3-year tenure.
The plan will pay for the expenses incurred for consumables that are listed in ‘Items for which optional cover may be offered by insurers’ under ‘Guidelines on Standardization in Health Insurance, 2016’.
There are no waiting periods for rabies and typhoid vaccines. Hepatitis B and HPV vaccines are available after a waiting period of 24 months.
No, the Tata Medicare plan does not provide coverage during the grace period.
Yes, more than 540 daycare treatments are covered under the TATA Medicare policy.
One Family Floater Policy can cover up to 7 members of a family (the self, spouse, three dependent children (under the age of 25), and two dependent parents).
Anyone aged 5 or more (dependent children between 91 days and 5 years can be insured only when both parents are insured).
The maximum entry age for the TATA AIG Medicare policy is 65 years.
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