After how long are pre-existing diseases covered under TATA AIG MediCare Premier?

Pre-existing diseases are covered after a 24-month waiting period, subject to the policy's terms, conditions, disclosures and underwriting requirements. Coverage is not automatic for every condition, so the insurer's acceptance of the disclosed medical history is important.

What is the waiting period for pre-existing diseases under TATA AIG MediCare Select?

The waiting period is 36 months of continuous coverage for pre-existing diseases and their direct complications. The condition must be disclosed and accepted by the insurer, and applicable continuity credit may reduce the waiting period when the policy qualifies under portability rules.

Can I use TATA AIG MediCare Premier for planned medical treatment abroad?

Yes. The plan covers eligible medical expenses for planned hospitalisation outside India up to the sum insured, provided the diagnosis is made in India and the insured person travels abroad for treatment. Visa expenses for medical treatment are also covered for eligible sum insured options above ₹50 lakh, subject to policy terms.

Can I buy TATA AIG MediCare Select for my family?

Yes. MediCare Select offers individual and family floater policies. Under a family floater, the insured members share the selected sum insured, subject to the policy terms and schedule.

When should I inform TATA AIG about a hospitalisation claim?

For a planned hospitalisation, claim intimation should be provided at least 48 hours before the event. In an emergency, TATA AIG should be informed within 24 hours of the event. Follow the insurer's current claim procedure and policy requirements.

When should I notify TATA AIG about a hospitalisation claim?

For planned hospitalisation, day-care, AYUSH or domiciliary treatment, notify the insurer at least 48 hours before admission or treatment. For emergency hospitalisation or day-care treatment, notify the insurer within 24 hours of admission or by discharge, whichever is earlier.

What are the waiting periods under TATA AIG MediCare Premier?

The policy version reviewed has an initial waiting period of 30 days, except for claims arising from accidents. Specified illnesses and treatments have a 24-month waiting period, pre-existing diseases have a 24-month waiting period, and maternity benefits have a 48-month waiting period. OPD and OPD dental benefits also require two continuous years of coverage. Policy-specific terms and exceptions apply.

Does TATA AIG MediCare Premier cover maternity expenses and childbirth?

Yes. Maternity expenses are covered after a 48-month period of continuous coverage under this policy version. The stated maternity limit is ₹50,000 for eligible sum insured options up to ₹50 lakh and ₹1 lakh for higher eligible options, increasing to ₹60,000 and ₹1.2 lakh respectively for the birth of a girl child. Delivery complication benefits have separate limits and conditions.

Does TATA AIG MediCare Select cover the full cost of any hospital room?

No. The eligible room category is determined by the policy schedule and selected cover. If an insured person uses a room category higher than the one they are entitled to, proportionate deductions may apply to room rent and associated medical expenses. The optional Room Category Select cover can change the room category entitlement, subject to its terms.

What are the main waiting periods under TATA AIG MediCare Select?

The current policy wording specifies a 30-day initial waiting period for illnesses, except eligible accident-related claims; 24 months for listed diseases and procedures; and 36 months for pre-existing diseases. Optional maternity care has a two-year waiting period, which can be reduced to one year if the corresponding optional cover is selected.

Does TATA AIG MediCare Premier cover OPD consultations and pharmacy expenses?

Yes. After two continuous years of coverage, the plan covers eligible OPD consultation and pharmacy expenses under a separate annual limit. The limit ranges from ₹5,000 for sum insured options up to ₹50 lakh to ₹20,000 for a ₹3 crore sum insured. Eligible OPD dental treatments, including root canal treatment, tooth extraction and fillings, have a separate limit.

Does TATA AIG MediCare Select cover maternity expenses?

Maternity care is available as an optional cover for an additional premium. When selected, it can cover eligible maternity expenses, delivery complications of a newborn and first-year newborn vaccinations, subject to the policy limits. The standard waiting period is two years of continuous coverage; an optional benefit can reduce it to one year.

Does TATA AIG MediCare Select provide unlimited restoration of the sum insured?

Yes. Restore Infinity Plus can reinstate the base sum insured an unlimited number of times in a policy year when the available sum insured and accrued cumulative bonus are insufficient for an admissible claim. The benefit is not available for the first admissible hospitalisation or domiciliary treatment claim of each policy year, and unused restored amounts do not carry forward.

OneAssure

Health Insurance

TATA AIG

Medicare Select

Tata AIG MediCare Select Plan

Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits

95.43%

Claim Settlement Ratio

7,500+

Network Hospitals

7/10

Plan Rating

Policy Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: TATA AIG Medicare Select

Final Verdict

TATA AIG MediCare Select is worth considering if flexibility is a priority. Its unlimited restoration feature can help replenish the base sum insured after it becomes insufficient for a subsequent eligible claim, while the optional covers let buyers tailor parts of the policy to their circumstances.However, it should not be treated as a plan with unrestricted hospital expenses. Room-category eligibility matters, specified illnesses and pre-existing diseases have waiting periods, and several benefits require additional premium. The maternity benefit is optional, and the cumulative bonus and renewal discount are alternative choices rather than benefits that automatically accumulate together.Before buying, compare the total premium after selecting optional covers, verify any deductible or co-payment in the policy schedule, and assess whether the room category and waiting periods fit your needs.

About

What Is Medicare Select?

Tata AIG MediCare Select is a customizable health insurance plan offering unlimited in‑patient and day‑care coverage, infinite annual restorations, OPD rider, consumables benefit, maternity cover, daily cash for shared rooms, and attractive discounts—with lifelong renewability and tax savings under Sec. 80D

Medicare Select Ratings

Medicare Select

Insurer Rating

9.07

out of 10

Insurance Rating

7

out of 10

No Room Rent Limit

Add on

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

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 and Exclusions

TATA AIG Medicare Select Inclusions and Exclusions

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

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.

Add ons

Medicare Select Add-Ons and Riders

Carry Forward Of Unutilized Sum Insured

Advanced Cover

Accidental Death Benefit

Aggregate Deductible Discount

Salaried Discount

Professional Discount

Waiver Of Higher Zone Co Payment

Modification Of Mandatory Sub Limits

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.