What is the waiting period for pre-existing diseases under MediCare LITE?

Declared pre-existing diseases are covered after a waiting period of 36 months from the first policy inception date. Listed illnesses and treatments have a separate waiting period of 24 months.

How does the Restore Benefit work?

If the available Sum Insured and accrued Cumulative Bonus become insufficient to pay an admissible claim, the policy automatically restores 100% of the Sum Insured once during a policy year.

Are health check-ups included in the policy?

Yes. The policy provides a health check-up once every policy year for specified tests on a cashless basis, irrespective of claim history.

Is there any co-payment under this policy?

Yes. A 20% co-payment applies if the insured entered the policy at age 61 or above. A 30% co-payment applies when treatment is taken outside the Valued Provider – Pan India network.

OneAssure

Health Insurance

TATA AIG

Medicare LITE

Experience India's most trusted health insurance with TATA AIG Health Insurance. Get instant cashless treatment at 12000 network hospitals with sum insured up to ₹50 lakhs.

95.43

Claim Settlement Ratio

12000

Network Hospitals

0

Customer Rating

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95.43

Claim Settlement Ratio

12000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: TATA AIG Health Insurance

Final Verdict

Tata AIG MediCare LITE combines essential hospitalization coverage, annual health check-ups, wellness services, and a restore benefit, making it a practical option for families seeking affordable health insurance protection.

About

About TATA AIG Health Insurance

Tata AIG MediCare LITE is a health insurance policy designed to provide essential hospitalization coverage at an affordable premium. The plan covers inpatient treatment, daycare procedures, AYUSH treatment, domiciliary care, organ donor expenses, and several value-added benefits. It also includes annual health check-ups, teleconsultation services, and a restore benefit that replenishes the sum insured when exhausted by admissible claims. The policy is available on both individual and family floater basis with policy terms of one, two, or three years.

Tata AIG MediCare LITE is a health insurance policy designed to provide essential hospitalization coverage at an affordable premium. The plan covers inpatient treatment, daycare procedures, AYUSH treatment, domiciliary care, organ donor expenses, and several value-added benefits. It also includes annual health check-ups, teleconsultation services, and a restore benefit that replenishes the sum insured when exhausted by admissible claims. The policy is available on both individual and family floater basis with policy terms of one,...

Inclusions and Exclusions

Inclusions and Exclusions of TATA AIG Insurance Company Limited

Room Rent

Normal: Single Private Room
ICU: Up to Sum Insured

Advanced Treatments

Bariatric Surgery Cover
Modern Treatments (subject to policy terms and limits)
In-Patient Dental Treatment
Hearing Aid Benefit

Co-payment

20% co-payment if entry age is 61 years or above at first coverage
30% co-payment for treatment outside the "Valued Provider – Pan India" network

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 36 months

Cashless Healthcare Providers

Cashless treatment available through Valued Provider – Pan India network

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Single Private Room
ICU: Up to Sum Insured

Advanced Treatments

Bariatric Surgery Cover
Modern Treatments (subject to policy terms and limits)
In-Patient Dental Treatment
Hearing Aid Benefit

Co-payment

20% co-payment if entry age is 61 years or above at first coverage
30% co-payment for treatment outside the "Valued Provider – Pan India" network

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Exclusions

Not available

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About the company

TATA AIG Hеalth Insurancе is onе of India’s lеading hеalth insurancе providеrs. It is a joint vеnturе bеtwееn thе Tata Group and Amеrican Intеrnational Group (AIG). Thе company focusеs on giving pеoplе financial sеcurity and quality hеalthcarе whеn thеy nееd it most. TATA AIG Hеalth Insurancе offеrs a widе rangе of hеalth plans for individuals, familiеs, and sеnior citizеns. Each plan is dеsignеd to covеr hospital еxpеnsеs, prе- and post-hospitalisation costs, and еmеrgеncy carе. Thе company also providеs top-up plans and spеcial plans for critical illnеssеs. With morе than 10,000 nеtwork hospitals across India, TATA AIG makеs cashlеss trеatmеnts еasy and quick. Thе insurеr is known for fast claim approvals, 24x7 customеr support, and transparеnt sеrvicе. It also offеrs tax bеnеfits undеr Sеction 80D for...

TATA AIG Hеalth Insurancе is onе of India’s lеading hеalth insurancе providеrs. It is a joint vеnturе bеtwееn thе Tata Group and Amеrican Intеrnational Group (AIG). Thе company focusеs on giving pеoplе financial sеcurity and quality hеalthcarе whеn thеy nееd it most. TATA AIG Hеalth Insurancе offеrs a widе rangе of hеalth plans for individuals, familiеs, and sеnior citizеns. Each plan is dеsignеd to covеr hospital еxpеnsеs, prе- and post-hospitalisation costs, and еmеrgеncy carе. Thе...