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
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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
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Not available
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
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available from the first policy year
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
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Post Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expense is included
Deductible Option
Available as an option
Cashless Healthcare Providers
12,000+ Healthcare Providers
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
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
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
Mental Wellbeing - Comprehensive mental health coverage for mental health screenings, psychological therapy and procedures, diet consultations, vocational rehabilitation, stress management and addiction cessation programs through empanelled service providers
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
Health Multiplier Benefit - Additional amount provided during policy year for admissible claims utilizing base sum insured, ensuring extended coverage and financial protection
Women Suraksha - Arranged consultations, PCOD cover, cervical cancer vaccination, and cancer screenings for women, supporting preventive care and specialized health needs
Add-ons
Related Variants
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About the Company
Tata AIG General Insurance Company Limited is a prominent insurance provider in India, established as a joint venture between the Tata Group and the American International Group (AIG).The company offers a diverse range of general insurance products, including motor, health, travel, and home insurance, catering to both individual and business needs. With a mission to create better tomorrows for customers, Tata AIG focuses on providing trustworthy and innovative risk solutions, backed by professional expertise and exceptional service capabilities
Amit Ganorkar is the CEO and MD of Tata AIG General Insurance. With over 20 years of experience in the insurance sector, he focuses on customer-centric solutions and digital transformation strategies.
About the Company
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