Tata AIG Medicare Premier
TATA AIG
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
Room Rent and ICU limit
Medicare Premier offers no capping on room rent or ICU charges, allowing policyholders to choose any hospital room as per their preference.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Brochure
Policy Wordings
Explore more features
Our Verdict
Medicare Premier offers robust core coverage with no room rent capping and global emergency care. Its extensive add-ons, like dental, vision, and in-home support, cater to individuals seeking comprehensive health and wellness benefits beyond standard hospitalization.
About the Plan
Medicare Premier is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It offers high sum insured options, covering hospitalization expenses, advanced treatments, daycare procedures, and domiciliary care. The plan includes benefits like cashless hospitalization, annual health check-ups, and coverage for organ donor expenses. With no room rent capping and coverage for modern treatments, it provides flexibility and peace of mind. Policyholders can also enhance their coverage with optional add-ons and riders.
About the Plan
Product Stats
Rating
Features of the Product
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Outpatient Department Cover (OPD Expense)
OPD expense is included
Room Rent
All room categories are covered
Co-payment
Not available
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim, restoration occurs 45 days after the previous claim, for both related and unrelated illnesses
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
Yes
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Annual Health Checkup
Health check-up is available from the first policy year
Post-Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
Deductible Option
Available as an option
Coverage Options
Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr
Claim Settlement Ratio
86.50%
Maternity Cover
Available
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Cashless Healthcare Providers
12,000+ Healthcare Providers
Exclusions
Intentional self-injury or attempted suicide.
Injuries resulting from participation in hazardous or adventure sports.
Cosmetic or plastic surgery, unless necessary due to an accident, burn, or cancer.
Treatment for sterility and infertility, including assisted reproduction services.
Sexually transmitted diseases or illnesses.
Stem cell therapy, except for hematopoietic stem cells for bone marrow transplant in specific conditions.
Treatment for alcohol or drug addiction.
Dietary supplements and substances that can be purchased without a prescription.
Unproven treatments, procedures, or supplies lacking significant medical documentation.
Sleep-apnea treatments.
Preventive care, vaccinations, inoculations, and immunizations, except for post-bite treatment and other explicitly covered vaccines.
Dental treatment or surgery, unless specified under 'Inpatient Treatment – Dental'.
Exclusions
Mental Wellbeing - Covers annual mental health screening, therapy, diet consultations, stress management, vocational rehab, and addiction cessation support.
Restore Infinity Plus - Reinstatement of sum insured, if the sum insured and cumulative bonus is insufficient to pay a claim. The reinstatement is available for unlimited number of times during a Policy Year.
Inflation Protect - The sum insured will be additionally increased basis the all-India inflation rate, for the next policy year, regardless of claim in previous policy years.
Modification of Mandatory Sub-Limits - Modification of Mandatory Sub-Limits
Cancer Benefit - Lump sum payout on diagnosis of cancer of specified severity during policy period, ensuring timely financial support and treatment continuity
Pocket Saver - Comprehensive outpatient care for diagnostics, consultations, dental, vision, pharmacy, physiotherapy, devices, and high-end treatments, reducing medical expenses significantly
Advanced Cover - Pre-existing disease waiting period reduced to 30 days for diabetes, hypertension, hyperlipidemia, and asthma, with additional premium payment
Voluntary Aggregate Deductible - Aggregate deductible option lowers premium by applying chosen deductible to policy claims, helping optimize affordability and enhance cost efficiency
Accident Suraksha - Enhanced accidental coverage offering additional sum insured for hospitalization and lump sum payout for permanent disability caused by accidents
Women Suraksha - Arranged consultations, PCOD cover, cervical cancer vaccination, and cancer screenings for women, supporting preventive care and specialized health needs
Global Suraksha - Second medical opinion from our empaneled service provider or Medical Practitioner located worldwide outside India
Worldwide Hospital Cash Benefit Rider - Worldwide Hospital Cash Benefit Rider
Cumulative Bonus Shield - Accrued Cumulative Bonus under the base Policy shall not be reduced at renewals if total amount of all claims made under base policy which impacts cumulative bonus stay within the rider's specified limit, in a Policy Year
Consumables Benefit - Pays for specified consumables used during hospitalization as part of medical or surgical treatment.
Room Category - Room Category
Restore Infinity - Restore Infinity
Accidental Death Benefit - Accidental Death Benefit
Voluntary Sublimits Discount - Voluntary Sublimits Discount
Aggregate Deductible Discount - Aggregate Deductible Discount
Emergency Air Ambulance Cover - Emergency Air Ambulance Cover
Preventive Annual Health CheckUp - Preventive Annual Health CheckUp
Waiver of Higher Zone Co-Payment - Waiver of Higher Zone Co-Payment
Add-ons
Related Variants
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 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.
About the Company
Medicare Premier vs Heart
Medicare Premier vs Activ One Max
Medicare Premier vs Medicare Plus
Medicare Premier vs Vytl
Medicare Premier vs Enhance 2
Medicare Premier vs Enhance 1
Medicare Premier vs Supreme
Medicare Premier vs Health Companion Variant 2022
Medicare Premier vs Platinum+
Medicare Premier vs Titanium+
Medicare Premier vs Bronze+
Medicare Premier vs Senior First Platinum
Medicare Premier vs Elevate
Medicare Premier vs Today
Medicare Premier vs Tomorrow
Medicare Premier vs Young Star Gold
Medicare Premier vs Activate Booster Plan A
Medicare Premier vs Senior First Gold Plan
Medicare Premier vs Star Women Care Policy
Medicare Premier vs VIP
Medicare Premier vs Advantage
Medicare Premier vs Health Recharge Super Top Up Plan
Medicare Premier vs Heart Beat Gold
Medicare Premier vs Young Star Silver
Medicare Premier vs Assure
Medicare Premier vs Activate Booster Plan B
Medicare Premier vs Energy Silver
Medicare Premier vs Optima Secure
Still Confused ?
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.
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.
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
