How does the waiting period affect my coverage?

TATA Medicare has a 30-day waiting period, 24 months for specific diseases, and 36 months for pre-existing conditions.

What happens if I don’t use my health insurance benefits for the entire year?

TATA Medicare offers a No-Claim Bonus, increasing the sum insured yearly without additional premiums.

Will my health insurance cover treatment abroad?

The TATA Medicare policy primarily offers coverage for treatments within India. It does not provide global coverage for medical treatments unless explicitly mentioned in an add-on or optional rider.

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Health Insurance

TATA AIG

Medicare

Tata AIG Medicare

Experience India's most trusted health insurance with TATA AIG Health Insurance. Get instant cashless treatment at 12000 network hospitals with sum insured up to ₹50 lakhs.

95.43%

Claim Settlement Ratio

12000+

Network Hospitals

0

Customer Rating

Brochure

Policy Wording

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95.43%

Claim Settlement Ratio

12000+

Network Hospitals

0

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: TATA AIG Health Insurance

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Final Verdict

Tata AIG MediCare Health Insurance offers comprehensive coverage, including maternity and critical illness benefits, with a high claim settlement ratio. Ideal for individuals seeking extensive healthcare support and added security through add-ons.

About

About TATA AIG Health Insurance

Tata AIG's MediCare Health Insurance offers coverage from ₹3 lakhs to ₹20 lakhs, covering in-patient hospitalization, pre (30 days) and post (60 days) hospitalization, 540+ day care procedures, domiciliary treatment, and AYUSH therapies. It provides a 10% cumulative bonus per claim-free year (up to 100%) and access to 11,000+ cashless hospitals. With a 96.43% claim settlement ratio (FY 2020-21), it ensures comprehensive healthcare support.

Inclusions and Exclusions

Inclusions and Exclusions of TATA AIG Insurance Company Limited

Room Rent

Normal: 2% of the sum insured per day ICU: 4% of the sum insured per day

Waiting Period

Initial Waiting Periods: 30 Days  Specific Diseases/procedures: 24 Months Pre-Existing Diseases: 36 Months

Cashless Healthcare Providers

11,000+ Cashless Hospitals

Daycare Treatment

Cover expenses for listed Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre.

AYUSH Treatment

Cover for expenses incurred for treatment as in-patient in AYUSH Hospital.

Room Rent

Normal: 2% of the sum insured per day ICU: 4% of the sum insured per day

Waiting Period

Initial Waiting Periods: 30 Days  Specific Diseases/procedures: 24 Months Pre-Existing Diseases: 36 Months

Cashless Healthcare Providers

11,000+ Cashless Hospitals

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Exclusions

Pre-existing diseases during the waiting period.
Injuries or illnesses due to self-inflicted harm or suicide attempts.
Treatment related to alcohol, drug abuse, or substance use disorders.
Cosmetic or plastic surgeries unless medically required.
Treatment for infertility, sterility, or assisted reproduction.
Participation in hazardous sports or adventure activities.
War, nuclear hazards, or acts of terrorism-related injuries.
Congenital diseases, birth defects, or developmental disorders.

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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 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...

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...