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
Rating
Features of the Product
Room Rent
Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category
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% unlimited times after your first 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
No. However, available as an add-on
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 checkup is not included as part of base cover. However, available as an add-on
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 90 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 not included as part of base cover. However, available as an add-on
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
No. However, available as an add-on
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
International Second Opinion - Get a medical second opinion from global specialists if diagnosed with listed illnesses during the policy period
Home Care Treatment Rider - Covers medical treatment at home up to sum insured; pandemic-related care covered up to 25%
Emergency Air Ambulance Rider - Reimburses airplane or helicopter air ambulance costs for life-threatening emergencies needing immediate hospital transfer
Additional Sum Insured for Accidental Hospitalization - Provides extra sum insured for inpatient treatment if hospitalization is solely due to an accident
Mental Wellbeing - Covers annual mental health screening, therapy, diet consultations, stress management, vocational rehab, and addiction cessation support
Accidental Death Benefit Rider - Pays 100% sum insured or ₹50,00,000 if death occurs solely due to an accident within 365 days
Introduction of Valued Provider Network - 30% co-payment applies for treatments outside our nationwide “Valued Provider” hospital and daycare network
Pocket Saver - Covers OPD doctor, dental, and vision consultations, prescribed tests, teleconsultations, and corrective lenses once every two policy years
Health Condition Management Program - Offers professional programs to manage specific health conditions and improve long-term wellness
Domestic Second Opinion Rider - Get a second medical opinion in India for listed illnesses diagnosed during the policy period
Cancer Benefit - Pays the sum insured if the insured is diagnosed with a defined severe cancer during the policy period
Supercharge Bonus Rider - Your sum insured increases by 50% every year, maximum up to 500%
Infinite Advantage - Covers one lifetime inpatient or daycare claim without any limit on the base sum insured
Consumable Benefit - Pays for specified consumables used during hospitalization as part of medical or surgical treatment
Aggregate Deductible Discount - Applies a higher deductible in exchange for a premium discount on the health insurance policy
Room Category - Choose Twin Sharing options with respective premium adjustments for your hospitalisation stay
Advanced Cover - Reduces pre-existing disease waiting period to 30 days for Diabetes, Hypertension, Hyperlipidemia, and Asthma with additional premium
Women Suraksha - Covers female consultations, PCOS evaluation and treatment, cancer screening, and cervical cancer vaccination through empanelled providers in India
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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