
Tata AIG Medicare Premier
95.43
Claim Settlement Ratio
12000
Network Hospitals
9.2
Customer Rating
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95.43
Claim Settlement Ratio
12000
Network Hospitals
9.2
Customer Rating
Our Verdict
Expert Review: TATA AIG Health Insurance
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Final Verdict
About
About TATA AIG Health Insurance
Inclusions and Exclusions
Inclusions and Exclusions of TATA AIG Insurance Company Limited
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Outpatient Department Cover (OPD Expense)
OPD expense is included
Room Rent
All room categories are covered
Co-payment
Not available
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses
Cumulative Bonus
Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year
Consumable Cover
Yes
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Annual Health Checkup
Health check-up is available from the first policy year
Post-Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
Deductible Option
Available as an option
Coverage Options
Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr
Maternity Cover
Available
Claim Settlement Ratio
95.43%
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Cashless Healthcare Providers
12,000+ Healthcare Providers
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Outpatient Department Cover (OPD Expense)
OPD expense is included
Room Rent
All room categories are covered
Exclusions
Intentional self-injury or attempted suicide.
Injuries resulting from participation in hazardous or adventure sports.
Cosmetic or plastic surgery, unless necessary due to an accident, burn, or cancer.
Treatment for sterility and infertility, including assisted reproduction services.
Sexually transmitted diseases or illnesses.
Stem cell therapy, except for hematopoietic stem cells for bone marrow transplant in specific conditions.
Treatment for alcohol or drug addiction.
Dietary supplements and substances that can be purchased without a prescription.
Add ons
Add-Ons
Mental Wellbeing
Restore Infinity Plus
Inflation Protect
Modification of Mandatory Sub-Limits
Insurance Premium Calculator
Insurance Premium Calculator
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About the company
About the company
FAQs
Frequently Asked Questions
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