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 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.
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.
SI OPTIONS: 3 | 5 |10 | 15 | 20 | 25 | 50 Lakhs | 1 Crore
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
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
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered, as an optional benefit
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Available
Vaccination
Not Covered
Co-payment
Not Applicable
Sub-limits
Applicable for Mental Illness coverage
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 Plus Plan?
Under TATA AIG Medicare Plus 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 Plus Plan?
Under this plan, ICU charges coverage is available
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.
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.
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.
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.
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.
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.
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.
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%.
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.
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.
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.
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.
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 Plus Plan?
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 Plus 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 Plus 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 Plus 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 Plus Plan?
The plan covers the ambulance expenses.
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
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
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
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.
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.
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.
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
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.
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
Permanent Exclusions | Coverage after Waiting Period
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.
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
| 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 |
| 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 |
| 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 |
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 Plan
The plan is specially designed to cater to the healthcare needs and post-operative care of elderly individuals.
Unique Features
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
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.
See More Health Insurance Articles
See More Health Insurance Articles
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.
50% bonus will be provided for every claim-free year for a maximum limit up to 100%.
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.
No, if you are continuously renewing your health insurance every year on time, then you do not need a pre-medical test.
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