Medicare Plus Plan
  • Lifetime Renewability
  • High Sum Insured Options
  • Quick Buying process
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.

Get upto 15% Online Discount*

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 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.

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. 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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Kartik Mehta

Guwahati

October 6, 2023

I m a loyal customer of Star Health Insurance through Policyx.com. Their service is consistently excellent.

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Chandigarh

October 6, 2023

The peace of mind that comes with Star Health Insurance is priceless. Policyx.com helped me make the right choice.

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Meerut

October 6, 2023

I ve had a few claims with Star Health Insurance, and the process was smooth thanks to Policyx.com s guidance.

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Allahabad

October 6, 2023

Policyx.com s team patiently explained the terms and conditions of Star Health Insurance, ensuring I was well-informed.

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Ishaan Chawla

Mumbai

October 6, 2023

I was pleasantly surprised by the affordable premiums for Star Health Insurance through Policyx.com. Great value for money!

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Mumbai

October 6, 2023

Star Health Insurance has been a lifesaver for my family, and Policyx.com made the enrollment process a breeze.

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Chennai

October 6, 2023

I had a great experience purchasing Star Health Insurance through Policyx.com. It was quick and hassle-free.

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Geeta Nair

Bhopal

October 6, 2023

Policyx.com s comparison tool is a game-changer. I found the perfect Star Health Insurance policy that fits my needs.

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