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.

What is the "Infinite Advantage" feature under the Tata AIG MediCare Select plan, and how does it safeguard my savings?

The Infinite Advantage is a highly specialized, built-in benefit that provides completely unlimited financial coverage for any single, massive hospitalization or daycare claim during the lifetime of the policy, allowing the insurer to absorb the entire eligible medical bill even if it completely surpasses your chosen base sum insured.

How does the "Early Access" feature benefit individuals who purchase multi-year policies?

For policyholders opting for a 2-year or 3-year multi-year tenure with upfront premium payment, the Early Access benefit aggregates the entire multi-year coverage pool from day one, allowing you immediate access to your cumulative sum insured pool at any point during the policy block.

OneAssure

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 7500 network hospitals with sum insured up to ₹50 lakhs.

95.43

Claim Settlement Ratio

7500

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

95.43

Claim Settlement Ratio

7500

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: TATA AIG Medicare

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 Medicare

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.

Medicare Ratings

Ratings: TATA AIG Medicare

Insurer Rating

5.99

out of 10

Insurance Rating

8.25

out of 10

No Room Rent Limit

Yes

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

Inclusions and Exclusions of TATA AIG Medicare

Room Rent

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

Cashless Healthcare Providers

11,000+ Cashless Hospitals

Waiting Period

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

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

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.

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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...