Does TATA AIG offer global coverage for medical emergencies?

Yes, select plans like the MediCare Plan include Global Emergency Cover, offering protection even while travelling abroad.

What is the range of sum insured options available under TATA AIG Hеalth Insurancе? You can choose from ₹5 lakhs to ₹3 crores, depending on your healthcare needs and budget.

Are AYUSH treatments covered under TATA AIG Hеalth Insurancе?

Yes, TATA AIG covers AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) treatments as part of its wellness-oriented benefits.

Can I customize my health plan according to my family’s needs?

Absolutely. Family Floater and Super Top-Up plans allow flexibility to include spouses, children, and dependent parents under one policy. TATA AIG Hеalth Insurancе review suggests that it is best suited for families.

Does TATA AIG cover pre-existing diseases?

Yes, pre-existing conditions are covered after a specific waiting period, depending on the plan selected.

How does the 'Cashless Everywhere' feature work?

It allows you to avail cashless treatment even in non-network hospitals by notifying TATA AIG before admission.

What is the average claim settlement time for TATA AIG?

Cashless pre-authorization requests are processed within 1 hour, ensuring minimal treatment delay.

What documents are required for a reimbursement claim?

You need to submit original bills, prescriptions, discharge summaries, and reports along with the filled claim form.

How many hospitals are in TATA AIG’s cashless network?

Over 12,000 hospitals across India offer cashless treatment under TATA AIG Hеalth Insurancе.

What should I do in case of an emergency hospitalization?

Notify TATA AIG or their TPA within 24–48 hours and share the required documents for fast claim authorization.

How can I renew my TATA AIG Hеalth Insurancе policy?

You can renew policies of TATA AIG Hеalth Insurancе online via the official website, mobile app, or through authorized agents.

What happens if I miss my policy renewal date?

TATA AIG offers a grace period, allowing you to renew without losing continuity benefits.

Can I modify my sum insured or members during renewal?

Yes, you can upgrade, add, or remove family members during renewal with a quick review consultation.

Does TATA AIG offer lifetime renewability?

Yes, all health insurance plans come with lifetime renewal options.

Will I get any benefits for not filing a claim?

Yes, no-claim bonuses and discounts on renewal premiums are offered for maintaining a claim-free year.

What wellness benefits does TATA AIG provide?

Annual health check-ups, wellness rewards, and teleconsultation options are included in most plans.

Are consumables like gloves and syringes covered?

Yes, consumable items are covered under select plans like MediCare Premier.

Does TATA AIG offer maternity or newborn coverage?

Yes, maternity and newborn benefits are available under certain plans after the waiting period.

Can I claim tax benefits for paying health insurance premiums?

Yes, you can claim deductions under Section 80D of the Income Tax Act for premiums paid.

What support does TATA AIG provide to senior citizens?

Senior-specific plans offer home treatment, short waiting periods for pre-existing diseases, and lifetime renewability.

OneAssure

Health Insurance

TATA AIG

TATA AIG Health Insurance

TATA AIG General Insurance is a joint venture between the Tata Group and American International Group, and one of India's largest private general insurers. Its health range includes MediCare, MediCare Premier, MediCare Select, MediCare Plus and Elder Care, with cashless treatment at 15,000+ hospitals and a Cashless Everywhere facility.

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95.43%

Claim Settlement Ratio

12,000+

Network Hospitals

9.07

Insurer Rating

TATA AIG Health Insurance

Our Vеrdict About TATA AIG Hеalth Insurancе

TATA AIG Health Insurance is a top-tier insurer offering wide coverage, modern features, and the reliability of a trusted brand.

What We Like

Quick claim settlement and 24/7 customer support.

User-friendly digital tools for policy and claim management.

Comprehensive coverage including AYUSH, maternity, and wellness.

“Cashless Everywhere” feature extends beyond network hospitals.

Backed by TATA’s strong brand reputation and global expertise.

Areas of Improvement

OPD and dental coverage options remain limited.

Claim documentation can still be detailed for some cases.

Room rent and specific treatment sub-limits in basic plans.

Some advanced features limited to premium variants.

Premiums for high-sum insured or global plans can be steep.

Final Verdict

TATA AIG Hеalth Insurancе is a strong option if you want broad covеragе, digital convеniеncе, and a trustеd brand backing your hеalth nееds. Thеir plans span individuals, familiеs, and sеnior citizеns, with bеnеfits likе AYUSH covеragе, cashlеss hospitalisation nationwidе, wеllnеss incеntivеs, and flеxiblе claim options. Thеir “Cashlеss Evеrywhеrе” claim capability...

TATA AIG Hеalth Insurancе is a strong option if you want broad covеragе, digital convеniеncе, and a trustеd brand backing your hеalth nееds. Thеir plans span individuals, familiеs, and sеnior citizеns, with bеnеfits likе AYUSH...

TATA AIG Health Insurance

Top TATA AIG Plans

Medicare Select

540+ daycare & modern treatments like robotic surgery, organ donor cover
100% restoration of sum insured during the same year
Coverage from ₹5 lakh to ₹3 crore with 12,000+ cashless hospitals

Medicare Plus

Works with base or employer cover
Cover above a deductible

TATA AIG Health Insurance

Other TATA AIG Plans

Medicare Premier

OPD and high-end diagnostics
Global cover for planned treatment
Sum insured ₹5 lakh to ₹3 crore

Medicare Select

Restore Infinity Plus
1 to 5 year terms
Sum insured ₹5 lakh to ₹3 crore

Elder Care

Compassionate care
Personal health manager
Home nursing services

TATA AIG Health Insurance

About TATA AIG

TATA AIG Health Insurance

TATA AIG Rating

Insurer Rating

9.07

out of 10

Layer 1 - OA Philosophy (70%)

CSR 3Y Average

97.04%

Network Hospitals

7500

Solvency Ratio

2.09

Complaints

0.02%

Layer 2 - Customer Features (30%)

Claims Support

5/5

Digital App Experience

4/5

TATA AIG Health Insurance

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Mumbai

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Thane, Maharashtra

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

West Bengal

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Mumbai, Maharashtra

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TATA AIG Health Insurance

Pros and Cons

Pros

High sum insured options up to ₹3 crore
Tax benefits under Section 80D
500+ daycare & AYUSH treatments covered
Automatic sum insured restoration in most plans
Wellness rewards and preventive check-ups
Cashless network of 12,000+ hospitals across India

Cons

2–4 year waiting period for pre-existing conditions
Premiums higher for global or advanced coverage plans
Strict underwriting for pre-existing ailments
Cashless access issues at select hospital chains (e.g. Max Healthcare)
OPD & global cover only in premium variants

TATA AIG Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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TATA AIG Types

Individual Health Insurance

TATA AIG’s Individual Health Plans offer medical protection for one person, covering hospitalisation, diagnostics, and advanced treatments. With 12,000+ cashless hospitals and free check-ups, they ensure personalised, worry-free healthcare coverage.

Family Floater Health Insurance

TATA AIG’s Family Floater Plans cover the entire family under one premium. They include daycare, consumables, and wellness benefits, offering affordable and comprehensive protection for every family member.

Top-Up and Super Top-Up Plans

TATA AIG’s Super Top-Up Plan boosts coverage after your base policy limit ends. It protects against large medical bills at low premiums, ideal for those with existing insurance.

Critical Illness Insurance

TATA AIG Critical Illness Plan offers a lump-sum payout for major illnesses like cancer or heart disease, ensuring financial stability for treatment, recovery, and other personal expenses.

Senior Citizen Health Insurance

TATA AIG Senior Care Plans provide lifelong renewability, AYUSH and home-care coverage, and easy claims. Tailored for seniors above 60, they ensure comfort and reliable medical support in retirement.

Corporate and Group Health Insurance

TATA AIG’s Group Health Plans offer employers flexible coverage for employees and dependents, with tax benefits, quick cashless claims, and strong workplace wellness support.

Personal Accident Insurance

TATA AIG Personal Accident Plan covers accidental death or disability, offering income protection and dependent education benefits, ensuring complete financial security after unforeseen accidents.

Disease-Specific Plans

TATA AIG offers focused plans for illnesses like cancer, diabetes, or heart disease, providing lump-sum payouts and specialised treatment support for condition-specific financial protection.

Wellness and Lifestyle-Based Plans

TATA AIG rewards healthy living through wellness-linked plans with fitness tracking, teleconsultations, and health check-ups, offering discounts and benefits for maintaining good health.

Maternity and Child Health Plans

TATA AIG’s Maternity and Child Health Plans cover delivery, postnatal care, and newborn expenses, providing financial support and quality healthcare for growing families.

Individual Health Insurance

TATA AIG’s Individual Health Plans offer medical protection for one person, covering hospitalisation, diagnostics, and advanced treatments. With 12,000+ cashless hospitals and free check-ups, they ensure personalised, worry-free healthcare coverage.

Family Floater Health Insurance

TATA AIG’s Family Floater Plans cover the entire family under one premium. They include daycare, consumables, and wellness benefits, offering affordable and comprehensive protection for every family member.

Top-Up and Super Top-Up Plans

TATA AIG’s Super Top-Up Plan boosts coverage after your base policy limit ends. It protects against large medical bills at low premiums, ideal for those with existing insurance.

Critical Illness Insurance

TATA AIG Critical Illness Plan offers a lump-sum payout for major illnesses like cancer or heart disease, ensuring financial stability for treatment, recovery, and other personal expenses.

Senior Citizen Health Insurance

TATA AIG Senior Care Plans provide lifelong renewability, AYUSH and home-care coverage, and easy claims. Tailored for seniors above 60, they ensure comfort and reliable medical support in retirement.

Corporate and Group Health Insurance

TATA AIG’s Group Health Plans offer employers flexible coverage for employees and dependents, with tax benefits, quick cashless claims, and strong workplace wellness support.

Personal Accident Insurance

TATA AIG Personal Accident Plan covers accidental death or disability, offering income protection and dependent education benefits, ensuring complete financial security after unforeseen accidents.

Disease-Specific Plans

TATA AIG offers focused plans for illnesses like cancer, diabetes, or heart disease, providing lump-sum payouts and specialised treatment support for condition-specific financial protection.

Wellness and Lifestyle-Based Plans

TATA AIG rewards healthy living through wellness-linked plans with fitness tracking, teleconsultations, and health check-ups, offering discounts and benefits for maintaining good health.

Maternity and Child Health Plans

TATA AIG’s Maternity and Child Health Plans cover delivery, postnatal care, and newborn expenses, providing financial support and quality healthcare for growing families.

Documents Required

ID Proof

Helps verify the applicant’s identity and establish policy ownership.

Address Proof (Utility Bill, Voter ID)

Confirms the applicant’s current residential address for communication and verification.

Age Proof (Birth Certificate, Driving License)

Documents like Birth Certificate, Driving License, etc., to verify your age

Recent Passport-Size Photographs

Passport-size photograph for visual identification and policy processing

Income Proof (for high cover plans, if required)

Income documents like salary slips, ITR, etc., may be needed for high-coverage plans

ID Proof

Helps verify the applicant’s identity and establish policy ownership.

Address Proof (Utility Bill, Voter ID)

Confirms the applicant’s current residential address for communication and verification.

Age Proof (Birth Certificate, Driving License)

Documents like Birth Certificate, Driving License, etc., to verify your age

Recent Passport-Size Photographs

Passport-size photograph for visual identification and policy processing

Income Proof (for high cover plans, if required)

Income documents like salary slips, ITR, etc., may be needed for high-coverage plans

TATA AIG Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

Pick a Network Hospital

Choose a hospital listed under TATA AIG’s network for cashless treatment. You can check online or contact OneAssure for assistance.

Inform OneAssure

For planned admissions, notify OneAssure at least 3 days in advance. In emergencies, inform within 24–48 hours of hospitalisation.

Carry Your Documents

Bring your TATA AIG health card (physical or digital) along with a valid photo ID such as Aadhaar, PAN, or Passport.

Fill the Pre-Authorisation Form

Hospital staff will help you complete the pre-authorisation form, including illness details and estimated treatment costs.

Wait for Approval

TATA AIG reviews the form and sends approval. Emergency approvals may take a few hours; planned ones may take up to 1–2 days.

Bills Paid Directly

Once approved, the hospital sends all bills directly to TATA AIG. You only pay for non-medical or personal items like food and toiletries.

TATA AIG Health Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Visit the official Tata AIG website

Log in to your account

Choose the policy to renew.

Review the details

Make payment

TATA AIG Network Hospitals

12,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

12,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

TATA AIG Health Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

TATA AIG Health Insurance

How to Buy TATA AIG?

Follow these simple steps to purchase your TATA AIG health insurance policy and secure comprehensive coverage for you and your family.

HOW TO BUY TATA AIG INSURANCE FROM ONEASSURE?

Step 1: Visit www.oneassure.in or call us at +91 6364334343 to connect with our expert advisors.
Step 2: Receive 100% unbiased recommendations tailored to your needs from our team of expert advisors.
Step 3: They will help you select the best option that suits you.
Step 4: You will need to provide us with the necessary KYC documents to proceed with the issuance further.
Step 5: We will generate the payment link on your phone and email.
Step 6: Once you’ve made the payment, your policy will be issued promptly.
Step 7: If you have declared any medical conditions, additional reports must be submitted.

HOW TO RENEW TATA AIG INSURANCE PLANS?

At OneAssure, we send out reminders to our customers via email 30 days before their renewal date to ensure they don't miss out. Following this, they will receive the payment link. You can opt to complete the payment through the provided link or directly on the TATA AIG Insurance portal.

TAX BENEFITS

The plan offers tax benefits under Section 80D of the Income Tax Act.

HOW TO PORT TATA AIG INSURANCE?

Step 1: Approximately 60 days before your current policy renewal date, you have the option to port to the TATA AIG Insurance Policy.
Step 2: If you decide to proceed with porting, our team will discuss all the related information with you. Based on this discussion, they will recommend a suitable plan from TATA AIG Insurance.
Step 3: After you have made your decision, depending on the chosen plan, you will need to provide us with additional documents, which are not listed in your current policy document. These documents may include your height, weight, claim details if any, previous year policy copies, nominee's name, nominee's date of birth, and their relationship with you.
Step 4: The registration process for the new policy will be completed on TATA AIG’s online portal.
Step 5: Once the registration is done, you will receive a payment link via email and phone. After making the payment, your new policy will be promptly issued.

Things to Remember

Get reminders before renewal to ensure policy continuity.
Pay premiums via cards, net banking, or other methods.
Use the grace period to avoid lapses after the deadline
Adjust coverage to suit your evolving life needs during renewal.
Enjoy smooth renewal with minimal documentation and effort.
Stay protected without interruptions by renewing on time.

TATA AIG Health Insurance

Still Confused? Get Expert Guidance

Our insurance experts can help you compare plans and find the best coverage for your needs

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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.