How does the waiting period affect my coverage?

A 30-day general waiting period applies, excluding accidents. Pre-existing conditions are covered after 48 months; some illnesses require 24 months.

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

A No Claim Bonus increases your sum insured yearly without extra cost, rewarding you for staying healthy and claim-free.

Does the Medicare Premier Plan cover treatment abroad?

Standard coverage applies within India, but optional add-ons may provide limited emergency treatment abroad. Check with your insurer for details.

OneAssure

Health Insurance

TATA AIG

Medicare Premier

Tata AIG Medicare Premier

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

9.2

Customer Rating

Policy Brochure

Policy Policy Wordings

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95.43

Claim Settlement Ratio

7500

Network Hospitals

9.2

Customer Rating

Policy Brochure

Policy Policy Wordings

Our Verdict

Expert Review: TATA AIG Health Insurance

Final 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

About TATA AIG Health Insurance

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.

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...

Medicare Premier Ratings

Medicare Premier

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

Yes

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 Insurance Company Limited

Outpatient Department Cover (OPD Expense)

OPD expense is included

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

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

95.43%

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

Outpatient Department Cover (OPD Expense)

OPD expense is included

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Room Rent

All room categories are covered

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.

Add ons

Add-Ons

Mental Wellbeing

Restore Infinity Plus

Inflation Protect

Modification of Mandatory Sub-Limits

Cancer Benefit

Pocket Saver

Voluntary Aggregate Deductible

Accident Suraksha

Insurance Premium Calculator

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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...

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.