
Tata AIG MediCare Select Plan
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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
Room Rent
Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category
ICU Charges
No restriction on ICU room rent
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
No. However, available as an add-on
Specific Waiting Period
2 years
PED Waiting Period
3 years
Annual Health Checkup
Health checkup is not included as part of base cover. However, available as an add-on
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Post-Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is not included as part of base cover. However, available as an add-on
Deductible Option
Available as an option
Cashless Healthcare Providers
12,000+ Healthcare Providers
Claim Settlement Ratio
95.43%
Maternity Cover
Available
Disease-wise sublimits
No
Co-payment
Not available
Restoration Benefit
es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses
Initial Waiting Period
30 days
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved
Coverage Options
Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr
Room Rent
Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category
ICU Charges
No restriction on ICU room rent
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
Exclusions
Obesity surgery unless medically advised with specified BMI criteria.
Gender transition treatments or surgeries are not covered.
Cosmetic surgeries unless post-accident, burn, or cancer related.
Infertility and sterility treatments including IVF or surrogacy.
Alcohol-related liver or pancreas conditions are excluded.
Sleep disorders, including sleep apnea, are excluded.
Immunoglobulin or Zoledronic infusions without direct hospitalization link.
Sexually transmitted diseases, including venereal diseases.
Add ons
Add-Ons
Advanced Cover
Accidental Death Benefit
Aggregate Deductible Discount
Salaried Discount
Insurance Premium Calculator
Insurance Premium Calculator
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About the company
About the company
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