Can dependent children continue under TATA AIG MediCare LITE after turning 26?

When a dependent child covered under a Family Floater policy turns 26 at renewal, the child can be covered under a separate policy with the applicable continuity benefits, subject to the policy terms.

What policy tenure options are available under TATA AIG MediCare LITE?

TATA AIG MediCare LITE is available for policy periods of 1, 2 or 3 years. Long-term premium discounts may apply for eligible 2-year and 3-year policies.

Can I get a health check-up under TATA AIG MediCare LITE even if I have not made a claim?

Yes, TATA AIG MediCare LITE provides listed preventive health check-ups every policy year through the applicable cashless facility, subject to the policy terms and service provider conditions.

Does TATA AIG MediCare LITE cover treatment received at an AYUSH facility?

Yes, eligible In-Patient and Day Care Treatment under AYUSH is covered, subject to the applicable policy conditions and coverage limits.

Can previous health insurance coverage help with the pre-existing disease waiting period under TATA AIG MediCare LITE?

Yes, when a policy is ported from another eligible health insurer with continuous coverage, applicable continuity credits for pre-existing disease waiting periods can be carried forward, subject to IRDAI guidelines and policy terms.

Does the initial 30-day waiting period continue indefinitely under TATA AIG MediCare LITE?

No. The 30-day initial waiting period does not apply after the insured person has maintained continuous coverage for more than 12 months, subject to the applicable policy conditions. Accident-related claims covered under the policy are also exempt from this waiting period.

What should I do if my cashless treatment request under TATA AIG MediCare LITE is not approved?

A cashless request not being approved does not by itself mean that the claim is rejected. Subject to policy terms, you may proceed with treatment and submit a reimbursement claim with the required documents.

How early should I inform TATA AIG about planned hospitalisation under MediCare LITE?

For planned hospitalisation, TATA AIG should be informed at least 48 hours before admission. In an emergency, the insurer or designated TPA should be informed within 24 hours of hospitalisation.

Can TATA AIG MediCare LITE be renewed after making a claim?

Yes, the policy is ordinarily renewable and does not cease to be renewable simply because a claim has been made, subject to the applicable renewal terms and conditions.

Can TATA AIG MediCare LITE be ported to another insurer?

Yes, the policy can be ported to another insurer at renewal by following the applicable IRDAI timelines. Eligible continuity benefits, including applicable waiting-period credits, can be carried forward subject to the portability rules.

OneAssure

Health Insurance

TATA AIG

Medicare LITE

Restore 100% of the sum insured once in a policy year if the balance and cumulative bonus fall short, earn a 50% bonus up to 100% after a claim-free year, and get a cashless health check-up every year.

95.43%

Claim Settlement Ratio

7,500+

Network Hospitals

3.25/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: TATA AIG Medicare LITE

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

What Is Medicare LITE?

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.

LITE Ratings

LITE

Insurer Rating

9.07

out of 10

Insurance Rating

3.25

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Add on

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions

TATA AIG Medicare LITE Inclusions

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

Cashless Healthcare Providers

Cashless treatment available through Valued Provider – Pan India network

Waiting Period

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

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

Pre-Hospitalisation

Covered up to 60 days before hospitalisation

Post-Hospitalisation

Covered up to 180 days after hospitalisation

Outpatient Department Cover (OPD Expense)

Not covered

Deductible Option

Not specified

Coverage Options

₹5 Lakhs, ₹7.5 Lakhs, ₹10 Lakhs, ₹15 Lakhs and ₹20 Lakhs

Maternity Cover

Not covered

AYUSH Treatment

Covered up to Sum Insured

Co-payment

20% for entry age 61 years or above; 30% outside the Valued Provider - Pan India network

Pre-Hospitalisation

Up to 60 days

Claim Settlement Ratio

Not specified in the product prospectus

Room Rent

Single Private Room

Cashless Healthcare Providers

Valued Provider - Pan India network

Daycare Treatment

Covered up to Sum Insured

Disease-wise sublimits

No specific disease-wise sublimit specified

Restoration Benefit

100% of Sum Insured restored once during the policy year

Insurance Premium Calculator

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About the company

About TATA AIG

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 all hеalth insurancе plans.
TATA AIG focusеs on protеcting your hеalth and your savings. Its plans arе flеxiblе, еasy to rеnеw for lifе, and suitablе for all agе groups. Whеthеr you arе an individual, a family, or a sеnior citizеn, TATA AIG has a plan to fit your hеalthcarе nееds.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.