Medicare Premier Plan
  • Eligibility Criteria
  • Benefits and Features
  • Inclusions and Exclusions
Medicare Premier Plan
Network hospitals

Network hospitals

11000+

Incurred claim ratio

Incurred claim ratio

96.70%

Sum insured

Sum insured

Up to 3 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

3.9

Pan India Presence

Pan India Presence

221+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Medicare Premier Plan

TATA AIG medicare premier is an all-around health insurance plan offering you the latest and best health care features. Available on an individual and family floater basis, the plan ensures you receive premium medical care with 8,000+ network hospitals available for cashless hospitalisation across the country.

Cover your parents and parents-in-law above the age of 65 years as well as dependent children as young as 91 days old.

Sum insured options available under the policy range between INR 5 Lakhs to 3 Crores ensuring availability of adequate sum insured. Tata Medicare premier policy term options vary between 1/2/3 years along with the benefit of lifetime renewability.

To keep you motivated towards living a healthy lifestyle TATA AIG Medicare Premier comes with a wellness program. Earn multiple wellness rewards by downloading the TATA AIG app on the Google Play Store and Apple Store.

When it comes to extensive coverage, Tata AIG Medicare Premier is gaining popularity with an extensive list of features like:

  • Global cover for planned hospitalisation
  • Consumables benefit
  • Restoration benefits
  • Emergency air ambulance
  • Wellness services
  • Home care treatment
  • High-end diagnostics, and more

In this article, we aim to simplify your purchase decision by providing you with all the vital details, necessary information, features & benefits of the plan.

TATA AIG Health Insurance Company Detailed Review

Medicare Premier Plan

Medicare Premier Plan Specifications

To understand Medicare Premier Plan Insurance in detail, take a look at the below table:

Entry Age

91 days to 65 years

Policy Type

Individual and Family Health Insurance

Sum Insured

5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr | 2 Cr | 3 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 Years

*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.

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Choose Your Medicare Premier Plan

With wide coverage options available, Medicare Premier Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Not Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

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 settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

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.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

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.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

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 be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Benefits Of TATA AIG Medicare Premier Plan

Investing in the TATA AIG Medicare premier plan comes with a list of benefits that ensures premium healthcare for you and your family

  • Flexible Room Selection

    Imagine picking up a deluxe room for your comfortable recovery in the hospital but its rent is over your room rent limit as mentioned in the policy schedule.
    With the Tata Aig Medicare Premier plan, you can opt for a single room, deluxe room, or shared room without worrying about sub-limits on room rent.

  • OPD Dental Treatments

    Unlike many other health plans where dental treatment coverage is unheard of, Tata AIG Medicare Premier covers expenses for dental treatments like root canals, extractions, fillings, and more. However, this comes after a continuous coverage of 2 years.

  • Global Coverage

    If you are diagnosed with an illness in India and wish to avail treatment abroad, Tata AIG Medicare Premier will cover your expenses. Moreover, the plan not only covers expenses for treatments abroad but also covers expenses for your visa application fee.

  • Covers Hearing Aid Expenses

    If you are prescribed a hearing aid by a specialized medical practitioner Tata AIG Medicare Premier will cover the expenses for the same. The hearing aid expense will be covered every third year. The maximum amount payable is 50% of the actual cost or INR 10,000/- per policy.

  • High-End Diagnostics Cover

    If you wish to undergo high-end diagnostic tests, Tata AIG Medicare Premier will be your financial support. The plan covers up to INR 50,000 of listed tests per policy year.

TATA AIG Health Insurance Company Network Hospital List

TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Premium Illustration For TATA AIG Medicare Premier Plan

Premium illustration mentioned for individual cover exclusive of GST. The premium payable under the policy will be computed based on the residential location/address as provided by the proposer/insured person.

Zone A

SI (In Rs.) 10 L 25 L 50 L 1 Cr 3 Cr
Premium (In Rs.) 11,579 14,575 17,218 22,681 34,942

Zone B

SI (In Rs.) 10 L 25 L 50 L 1 Cr 3 Cr
Premium (In Rs.) 10,092 12,797 15,239 20,105 30,724

Zone C

SI (In Rs.) 10 L 25 L 50 L 1 Cr 3 Cr
Premium (In Rs.) 8,617 10,996 13,703 17,460 26,382

What is Not Covered Under Tata AIG Medicare Premier Plan?

The policy schedule has some exclusions that are mentioned below:

Congenital External Diseases, defects, or anomalies

Alcoholic pancreatitis

Intentional self-injury or attempted suicide while sane or insane

Expenses for treatment directly arising from attempting to commit a breach of law with criminal intent

Treatment rendered by a medical practitioner which is outside his discipline

Additional Benefits

Wellness Program Health Risk Assessment
Reward Earning
Reward utilization (towards OPD Consultation/ Treatment, Pharmaceuticals, Health Check-Ups/ Diagnostics, etc.)
Wellness Services Unlimited Teleconsultation General
Unlimited Teleconsultation - Specialist
Health Condition Management (Diet & Weight Management Program and Stress Management Program)
Redeemable voucher/Discount on services
Ambulance Booking facility
Emergency Help Me features
Accidental Death Benefit Covered Up to SI

Explore other TATA AIG Health Insurance Company

To cater to the different medical needs of an individual & their family, TATA AIG Health Insurance Company offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to TATA AIG Health Insurance Company plans explore more:

Accident Health Insurance

TATA AIG Accident Guard Plan

TATA AIG Accident Guard Plan

Life is very uncertain, you never know what will happen to you in the next second. Are you prepared for that? Nonetheless, to make you ready for life&...

Unique Features

  • Comprehensive accident care
  • Coverage for child education
  • No waiting period

TATA AIG Accident Guard Plan (Pros)

TATA AIG Accident Guard Plan
  • Temporary total disability
  • Child enhancement benefit
  • Air ambulance
  • Loss of hearing

TATA AIG Accident Guard Plan (Cons)

TATA AIG Accident Guard Plan
  • No alcoholism cover
  • No war injury cover
  • No cataract cover
  • No STD cover

TATA AIG Accident Guard Plan (Other Benefits)

TATA AIG Accident Guard Plan
  • Fractures
  • Burns
  • Total disablement cover
  • Accidental death

TATA AIG Accident Guard Plan (Eligibility Criteria)

TATA AIG Accident Guard Plan
  • Entry age- 6 months
  • Max entry age- 65 years
  • SI- NA
  • Waiting period- 30 days

Individual and Family Health Insurance

Medicare Premier Plan

Medicare Premier Plan

TATA AIG medicare premier is an all-around health insurance plan offering you the latest and best health care features. Available on an individual and...

Unique Features

  • Eligibility Criteria
  • Benefits and Features
  • Inclusions and Exclusions

Medicare Premier Plan (Pros)

Medicare Premier Plan
  • Wellness service
  • Compassionate travel. Home care
  • Restore benefit

Medicare Premier Plan (Cons)

Medicare Premier Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • Injuries due to breach of law
  • STDs

Medicare Premier Plan (Other Benefits)

Medicare Premier Plan
  • OPD dental treatment
  • First-year vaccinations
  • In-patient treatment
  • Second medical opinion

Medicare Premier Plan (Eligibility Criteria)

Medicare Premier Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 5 L to 3 Cr
  • Waiting period- 30 days

Critical Illness Health Insurance

TATA AIG Criti MediCare Policy

TATA AIG Criti MediCare Policy

Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back. Tata AI...

Unique Features

  • Covers 100 critical illnesses
  • Cancer-360 indemnity cover
  • Hospital cash benefit

TATA AIG Criti MediCare Policy (Pros)

TATA AIG Criti MediCare Policy
  • Complete cancer coverage
  • hospital cash
  • Covers over 100 critical illnesses

TATA AIG Criti MediCare Policy (Cons)

TATA AIG Criti MediCare Policy
  • Self-harm not covered
  • No international coverage
  • Adventure sports injury not covered

TATA AIG Criti MediCare Policy (Other Benefits)

TATA AIG Criti MediCare Policy
  • Discount on premiums
  • Tele medical examination
  • Tax benefits

TATA AIG Criti MediCare Policy (Eligibility Criteria)

TATA AIG Criti MediCare Policy
  • Entry Age: 18 - 65 Years
  • Initial Waiting Period: 30 Days
  • SI: Up to 2 Cr
  • Policy Term: 1/2/3 Years

Senior Citizen Health Insurance

Tata AIG Elder Care Insurance Plan

Tata AIG Elder Care Insurance Plan

Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan. Tata AIG Elder Care is tailored to offer high-...

Unique Features

  • Preventive health check-ups
  • Post-operative care
  • Homecare treatment cover

Tata AIG Elder Care Insurance Plan (Pros)

Tata AIG Elder Care Insurance Plan
  • Preventive health check-up
  • Pre-hospitalisation cover
  • Post-hospitalisation cover
  • Compassionate visit
  • In-patient treatment

Tata AIG Elder Care Insurance Plan (Cons)

Tata AIG Elder Care Insurance Plan
  • Obesity/weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered

Tata AIG Elder Care Insurance Plan (Other Benefits)

Tata AIG Elder Care Insurance Plan
  • Cumulative bonus
  • Daycare procedures
  • Medical second opinion
  • AYUSH treatment cover

Tata AIG Elder Care Insurance Plan (Eligibility Criteria)

Tata AIG Elder Care Insurance Plan
  • Entry age- 61 years
  • Max entry age- 85 years
  • SI- 5-25 Lakhs
  • Waiting Period- 30 days

Top Up and Super Top Up

Medicare Plus Plan

Medicare Plus Plan

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. Me...

Unique Features

  • Lifetime Renewability
  • High Sum Insured Options
  • Quick Buying Process

Medicare Plus Plan (Pros)

Medicare Plus Plan
  • Global coverage
  • Cumulative bonus
  • Tax benefit
  • Family discount

Medicare Plus Plan (Cons)

Medicare Plus Plan
  • No gender change
  • Any existing disability
  • Injuries due to breach of law
  • Injuries due to aviation
  • No suicide cover

Medicare Plus Plan (Other Benefits)

Medicare Plus Plan
  • Consumables benefits
  • In-patient dental treatment
  • Ambulance cover
  • AYUSH Benefits
  • Domiciliary treatment

Medicare Plus Plan (Eligibility Criteria)

Medicare Plus Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 1 Cr
  • Waiting period- 30 days

Individual and Family Health Insurance

Tata AIG Medicare Plan

Tata AIG Medicare Plan

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Individual

TATA AIG Wellsurance Women Policy

TATA AIG Wellsurance Women Policy

To ensure total health coverage for women, Tata AIG Health Insurance has introduced the Wellsurance Women Policy. This plan is specially designed to p...

Unique Features

  • Designed for Women
  • Check your Eligibility
  • Quick Claim Process

TATA AIG Wellsurance Women Policy (Pros)

TATA AIG Wellsurance Women Policy
  • Cashless hospitalisation
  • Daily cash benefit
  • Post-hospitalisation

TATA AIG Wellsurance Women Policy (Cons)

TATA AIG Wellsurance Women Policy
  • Any pre-existed illnesses or any complications
  • STDs
  • Self-inflicted injuries /Attempted suicide
  • Mental or nervous disorder

TATA AIG Wellsurance Women Policy (Other Benefits)

TATA AIG Wellsurance Women Policy
  • Free helpline
  • Discount offerings on health and wellness
  • Tax benefits

TATA AIG Wellsurance Women Policy (Eligibility Criteria)

TATA AIG Wellsurance Women Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 7 L

Family

TATA AIG Supercharge Plan

TATA AIG Supercharge Plan

TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan opens the availability to different...

Unique Features

  • 5X Enhanced Benefits
  • 2 Impressive Variants To Choose
  • Complete AYUSH Coverage

TATA AIG Supercharge Plan (Pros)

TATA AIG Supercharge Plan
  • 5x benefits
  • 5% extra discount for youngsters
  • 2 plan variants
  • AYUSH treatment

TATA AIG Supercharge Plan (Cons)

TATA AIG Supercharge Plan
  • Obesity treatment unavailable
  • Change of gender treatment
  • Maternity cover
  • Act of war not included

TATA AIG Supercharge Plan (Other Benefits)

TATA AIG Supercharge Plan
  • Unlimited recharge
  • Wellness benefits
  • Easy claim process
  • Restore benefit
  • Pan India coverage

TATA AIG Supercharge Plan (Eligibility Criteria)

TATA AIG Supercharge Plan
  • Entry age- 90 days
  • Max entry age- no limit
  • SI -INR 5 L to 20 L
  • Waiting period- 30 days

Medicare Premier Plan: FAQs

1. What is the TATA AIG Medicare Premier Health Plan?

Tata AIG Medicare premier plan is an individual and family floater health plan offering a wide range of sum insured options between 5 Lakhs and 3 Crores.

2. What are the sum insured options available under the TATA AIG Medicare Premier health plan?

The sum insured options available to customers are 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr | 2 Cr | and 3 Cr.

3. Is international coverage available under the TATA AIG Medicare Premier Plan?

Yes, the international cover is available under the plan up to the sum insured.

4. What is the maternity cover sub-limit available under the TATA AIG Medicare Premier Health Plan?

The sub-limits available are: For SI selected up to INR 50 L - Coverage up to INR 60,000 is available For SI 75 L to 3 Crores - Coverage Up to INR 1.2 L is available

5. Is there any co-pay condition applicable with TATA AIG Medicare Premier?

No, the co-pay clause does not apply to the TATA AIG Medicare premier health plan.

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TATA AIG Premium Calculator

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Tata AIG Health Policy Download

Tata AIG Health Policy Download

Critical Illness Plan

Critical Illness Plan

TATA AIG Health Insurance for Senior Citizens

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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