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TATA AIG Health Insurance
premium

Network hospitals

10,000+

premium

Claim settlement ratio

93.55%

premium

Sum insured

Upto 3 Crore

premium

No. of Plans

10

premium

Solvency Ratio

2.1%

premium

Pan India Presence

200

Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10,000+

premium

Claim settlement ratio

93.55%

premium

Sum insured

Upto 3 Crore

premium

No. of Plans

10

premium

Solvency Ratio

2.1%

premium

Pan India Presence

200

TATA AIG Medicare

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.

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Tata AIG Health Insurance

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Choose your TATA AIG Medicare Plan

SI OPTIONS: Medicare

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered up to 3K

Air Ambulance

Not Covered

Compassionate Travel

Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Not Applicable

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under TATA AIG Medicare Plan?

Under TATA AIG Medicare Plan, the room rent is covered

What are ICU Charges?

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

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under TATA AIG Medicare Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

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

What is AYUSH Treatment?

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

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under TATA AIG Medicare Plan?

Not available under this plan

What is a Modern Treatment?

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

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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

What is Compassionate Travel?

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

What is Global Coverage?

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.

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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

What is Vaccination cover?

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

What is Co-payment?

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.

What is the Sub limit?

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

Other Health Insurance Companies

TATA AIG Medicare Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

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

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

24 Months

36 Months

Sample Premium Rates Of TATA AIG MediCare

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.

Medicare

Family Size 1 Adult 2 Adults 2 Adults+1 Child
Annual Premium (in Rs.) 7,934 12,695 15,888

Medicare Premier

Family Size 1 Adult 2 Adults 2 Adults+1 Child
Annual Premium (in Rs.) 10,156 12,710 15,376

Medicare Protect

Family Size 2 Adults 2 Adults+1 Child 2 Adults+2 Kids
Annual Premium (in Rs.) 10,156 12,710 15,376

Benefits Of TATA AIG Medicare

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:

Bariatric Surgery

Consumable Benefit

Coverage For Vaccination

Tax Benefits

Prolonged hospitalization Benefit

Bariatric Surgery

Get coverage for the expenses incurred on Bariatric Surgery treatment related to weight and obesity control.

Consumable Benefit

Covers the expenses incurred on certain listed consumables which are consumed during the process of hospitalization.

Coverage For Vaccination

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.

Tax Benefits

The plan offers tax-saving benefits on the paid premiums under section (80D) of the Income Tax Act.

Prolonged hospitalization Benefit

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.

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.

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

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

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

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

A unique policy that goes beyond health insurance by providing wellness programs. Provides services like consultation, discounts and newsletters on wellness.

Unique Benefits

  • Convalescence benefit
  • Critical illness benefit
  • Value added benefits

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

TATA AIG Health Insurance Network Hospital List

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.

Tata Medicare Insurance: FAQs

1. Do I need to undergo a pre-medical checkup in order to avail coverage under the TATA AIG Medicare health plan?

No medicals/No Tele- Medical Examination Report is required for upto 45 years.

2. Does TATA AIG Medicare offer any discounts to the policyholders?

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.

3. What is covered under consumables benefit in the TATA AIG Medicare plan?

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’.

4. Is there a waiting period for vaccinations under the Tata Medicare Insurance Policy?

There are no waiting periods for rabies and typhoid vaccines. Hepatitis B and HPV vaccines are available after a waiting period of 24 months.

5. Does the Tata AIG Medicare plan offer health coverage during the grace period?

No, the Tata Medicare plan does not provide coverage during the grace period.

6. Are the treatments that do not require hospitalization covered under the TATA Medicare plan?

Yes, more than 540 daycare treatments are covered under the TATA Medicare policy.

7. What is the maximum number of people covered in a Family Floater 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).

8. What is the minimum age for buying a TATA AIG Medicare plan?

Anyone aged 5 or more (dependent children between 91 days and 5 years can be insured only when both parents are insured).

9. What is the maximum entry age for the TATA AIG Medicare policy?

The maximum entry age for the TATA AIG Medicare policy is 65 years.

Tata AIG Health Insurance Medicare Plan Review

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