When are pre-existing diseases covered under Medicare Senior?

Pre-existing diseases that are disclosed and accepted by the insurer are covered after a waiting period of 24 months from policy inception. Coverage begins once the waiting period is completed and policy conditions are met.

What makes Medicare Senior different from regular health insurance plans?

The plan includes senior-focused benefits such as home nursing services, home physiotherapy, compassionate care, personalized health manager support, and home modification assistance after hospitalization.

How does the claim process work under Medicare Senior?

The insurer should be informed at least 48 hours before a planned hospitalization or within 24 hours in an emergency. Claims can be processed through the insurer's health claims support team and network hospitals.

Is co-payment applicable on all claims?

Yes. The policy has a mandatory 20% co-payment on admissible claims. However, policyholders can opt for a Co-Payment Waiver Add-On to remove this requirement.

OneAssure

Health Insurance

TATA AIG

Medicare Senior

Experience India's most trusted health insurance with TATA AIG Health Insurance. Get instant cashless treatment at 7500 network hospitals with sum insured up to ₹50 lakhs.

95.43

Claim Settlement Ratio

7500

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95.43

Claim Settlement Ratio

7500

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: TATA AIG Health Insurance

Final Verdict

Medicare Senior is an elder-focused health insurance plan that combines hospitalization coverage with home care services, wellness support, and post-operative assistance designed for senior citizens.

About

About TATA AIG Health Insurance

Medicare Senior is a health insurance plan designed specifically for senior citizens aged 61 years and above. The policy covers hospitalization expenses, daycare procedures, AYUSH treatment, consumables, and high-end diagnostics while also providing elder-focused support services such as home nursing, physiotherapy, compassionate care, and personalized health management. It includes wellness services, preventive consultations, and home care treatment benefits to support health management beyond hospitalization. The plan also offers home assessment and modification assistance for insured persons with mobility challenges following hospitalization.

Medicare Senior is a health insurance plan designed specifically for senior citizens aged 61 years and above. The policy covers hospitalization expenses, daycare procedures, AYUSH treatment, consumables, and high-end diagnostics while also providing elder-focused support services such as home nursing, physiotherapy, compassionate care, and personalized health management. It includes wellness services, preventive consultations, and home care treatment benefits to support health management beyond hospitalization. The plan also offers home assessment and modification assistance for insured...

Medicare Senior Ratings

Medicare Senior

Insurer Rating

5.99

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Add on

Consumables Covered

Yes

No Co-payment

No

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

Yes

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

Inclusions and Exclusions of TATA AIG Insurance Company Limited

Room Rent

Normal: Single Private Room
ICU: Not mentioned

Advanced Treatments

Joint Replacement Surgery, Home Care Treatment for specified illnesses/procedures, High-End Diagnostics, Home Physiotherapy, Post-Operative Care Services

Co-payment

Mandatory 20% Co-payment on each claim

Cashless Healthcare Providers

Available through network hospitals

Waiting Period

Initial Waiting Period: 30 days
Pre-existing Disease Waiting Period: 24 months
Specific Disease/Procedure Waiting Period: 24 months; Joint Replacement Surgery – 48 months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Single Private Room
ICU: Not mentioned

Advanced Treatments

Joint Replacement Surgery, Home Care Treatment for specified illnesses/procedures, High-End Diagnostics, Home Physiotherapy, Post-Operative Care Services

Co-payment

Mandatory 20% Co-payment on each claim

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...

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...