Medicare Plus Plan
  • Lifetime Renewability
  • High Sum Insured Options
  • Quick Buying process
TATA AIG Health Insurance
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 Medicare

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. Medicare Plus provides comprehensive coverage and compensates the policyholder in case the sum insured gets exhausted.The policy provides the insured with extensive coverage including coverage for costs associated with in-patient hospitalization, second opinions, daycare procedures, pre- and post-hospitalization costs, AYUSH benefit, ambulance coverage, costs associated with organ donation, global cover and so on.

The plan comes into action when the total amount of covered medical costs exceed the deductible specified in the policy contract .In addition to coverage benefits, the policy also offers tax deductions on premium payments, lifetime renewal, cumulative bonuses, etc.

Tata AIG MediCare Plus Plan Specifications

Entry Age

3 Months to 65 Years

Plan Type

Individual/Family Floater

Policy Term

1 / 2 / 3 year

Deductible

2 | 3 | 5 |10 | 15 | 20 | 25 Lakh

Initial Waiting Period

30 days

Sum Insured

3 | 5 |10 | 15 | 20 | 25 | 50 Lakhs | 1 Crore

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Tata AIG MediCare Plus Plan

SI OPTIONS: 3 | 5 |10 | 15 | 20 | 25 | 50 Lakhs | 1 Crore

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

Available, after every claim-free year

Automatic Restoration

Not Available

Daily Hospital Cash

Not Available

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

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Covered, as an optional benefit

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Available

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Applicable for Mental Illness coverage

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 Plus Plan?

Under TATA AIG Medicare Plus 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 Plus 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 Plus Plan?

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 Plus Plan?

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 Plus Plan?

Under TATA AIG Medicare Plus Plan, domiciliary hospitalizations are covered. Moreover, pre & post-hospitalization expenses are also 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 Plus 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 Plus Plan?

Not Covered under this plan.

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 Plus 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 Plus 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 Plus Plan?

For every claim-free year, the plan offers a 50% increase in cumulative bonus upto a maximum of 100%.

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 Plus Plan?

The plan does not offer the benefit of restoration.

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 Plus Plan?

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 Plus 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 Plus Plan?

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 Plus Plan?

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 Plus 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 Plus 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 Plus 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 Plus Plan?

The plan covers the ambulance expenses.

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 Plus Plan?

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 Plus Plan?

Not Available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under TATA AIG Medicare Plus Plan?

The plan offers the global coverage facility as an optional benefit

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 Plus 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 Plus Plan?

The plan offers Health Check-up benefits up to a maximum of 1% of the policy sum insured, up to 10,000 Rs.

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 Plus Plan?

One can avail a second opinion from a network provider or physician if they have been diagnosed with a covered disease.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under TATA AIG Medicare Plus Plan?

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 Plus 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 Plus Plan?

No sub-limits are available

Other Health Insurance Companies

TATA AIG Medicare Plus Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included underTata AIG MediCare Plus are:

Alcoholic/drug/substance abuse.

Congenital anomalies, defects, or diseases are not covered.

Does not cover Alcoholic pancreatitis.

Medical expenses related to the treatment of eyesight correction because of the refractive error i.e., less than 7.5 dioptres.

Self-inflicted injuries.

Attempted suicide.

Any policyholder attempting to commit a breach of law with criminal intent.

Coverage after Waiting Period

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

Listed ailments after : 24 Months

Pre-existing diseases after : 36 Months

Tata AIG MediCare Plus Premium Illustration

Deductible Chosen: 3 Lakhs

Sum Insured (in Rs.) 5 Lakhs 10 Lakhs 15 Lakhs 50 Lakhs 1 Crore
Premium Payable (in Rs.) 2,264 3,333 4,771 6,335 8,047

Deductible Chosen: 5 Lakhs

Sum Insured (in Rs.) 5 Lakhs 10 Lakhs 15 Lakhs 50 Lakhs 1 Crore
Premium Payable (in Rs.) 1,177 1,797 2,528 3,800 4,827

Deductible Chosen: 10 Lakhs

Sum Insured (in Rs.) 5 Lakhs 10 Lakhs 15 Lakhs 50 Lakhs 1 Crore
Premium Payable (in Rs.) 811 1,335 1,934 2,755 3,481

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

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 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. How can I cancel this policy?

You can cancel this policy within a free look period of 15 days and then the refund is provided by the insurer. After 15 days, some amount of the premium will be deducted.

2. What are the terms and conditions, if you want to avail cumulative bonus?

50% bonus will be provided for every claim-free year for a maximum limit up to 100%.

3. Does TATA AIG Medicare offer any discounts to the policyholder?

Yes, the plan offers up to a 32% discount if the policyholder opts for the family floater policy. Also, one can avail long term discounts wherein the policyholder will get 5% & 10% discounts for 2 & 3-year policies, respectively.

4. Do I need a pre-medical checkup for renewing my policy?

No, if you are continuously renewing your health insurance every year on time, then you do not need a pre-medical test.

Tata AIG Health Insurance Medicare Plus Plan Review

Read what customers have to say about Tata AIG Health Insurance Medicare Plus Plan.

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Neelam Sharma

Bengaluru

May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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Adi Kukreja

Jalandhar

May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

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Abhi Raj

Kanpur

May 10, 2024

As a woman, I want independence from future medical bills. And it comes from health insurance. So, I got Star Women Care Insurance Policy, and PolicyX helped me with the buying process.

Customer Review Image

Shakti Pokhriyal

Ahmedabad

May 10, 2024

I recently got married and is planning to buy a health insurance, so I asked PolicyX for the best plan, and they suggested me Star Comprehensive plan. Truly the best plan which covers me, my wi...

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Rahul Pant

Coimbatore

May 10, 2024

My parents were getting old, so I thought to gift them a health insurance policy this year. PolicyX suggested Red Carpet Health Insurance Policy, and this is the best choice for my parents.

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Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

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Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

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Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

View All Tata AIG Health Insurance Reviews