Tata AIG MediCare Select Plan
Tata AIG
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Comprehensive Day Care Cover
Covers all day care procedures, ensuring treatments needing less than 24 hours are fully reimbursed.
Infinite Advantage
This rider allows unlimited expenses for one claim without sum insured limits.
Policy Brochure
Policy Wording
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Our Verdict
Tata AIG MediCare Select is a value-for-money health insurance plan that offers highly customisable Add-ons, allowing individuals to tailor coverage to their specific healthcare needs. Ideal for urban families seeking comprehensive, mid-premium health insurance with strong network support.
About the Plan
Tata AIG MediCare Select is a customizable health insurance plan offering unlimited in‑patient and day‑care coverage, infinite annual restorations, OPD rider, consumables benefit, maternity cover, daily cash for shared rooms, and attractive discounts—with lifelong renewability and tax savings under Sec. 80D
About the Plan
Product Stats
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Features of the Product
Room Rent (Normal & ICU)
Single private room covered; higher category rooms attract proportionate deduction of medical expenses
Advanced Treatments
Covers stem cell therapy for advanced treatments feature.
Co-payment
No mandatory co-pay; but optional "Aggregate Deductible" available (₹10,000 to ₹1,00,000) to reduce premium
Waiting Periods
30 days for any illness, 2 years for specified conditions, 3 years for pre-existing diseases
Cashless Healthcare Providers
Cashless facility available at empanelled hospitals listed on TATA AIG website; subject to pre-authorization
Day Care Treatments
All day care procedures covered up to sum insured; no sub-limit applies
AYUSH Treatment
AYUSH in-patient/day care treatment covered up to full sum insured, including pre and post-hospitalization
Exclusions
- Obesity surgery unless medically advised with specified BMI criteria.
- Gender transition treatments or surgeries are not covered.
- Cosmetic surgeries unless post-accident, burn, or cancer related.
- Infertility and sterility treatments including IVF or surrogacy.
- Alcohol-related liver or pancreas conditions are excluded.
- Sleep disorders, including sleep apnea, are excluded.
- Immunoglobulin or Zoledronic infusions without direct hospitalization link.
- Sexually transmitted diseases, including venereal diseases.
- Dental treatments, unless injury-related and during hospitalization.
- Suicide or self-inflicted injuries, regardless of mental state.
Exclusions
Consumables Cover - Covers specified medical consumables used during hospitalization treatment period.
Maternity Care - Covers maternity, newborn complications, and first-year vaccinations expenses.
Maternity Reduction - Reduces maternity care waiting period from 2 years to 1.
Infinite Advantage - Removes sum insured limit for one claim during policy lifetime.
Early Access - Full policy sum insured available any time for single premium.
Room Select - Allows selection of any room type including twin sharing accommodation.
Deductible Option - Choose deductible (₹10k–₹1L) to reduce premium and claim liability.
Add-ons
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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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