How does the waiting period affect my coverage?

Waiting periods restrict coverage for certain conditions initially—30 days for general illness, 24 months for specified diseases, and 36 months for pre-existing diseases from policy start date

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

If no claims are made, you get a reward: either a 50% cumulative bonus on sum insured (up to 100%) or a 1% renewal premium discount for each claim-free year

Will my health insurance cover treatment abroad?

No, the policy only covers treatment expenses incurred within India. All claims and payments are restricted to Indian hospitals and are settled in Indian Rupees

What is the "Infinite Advantage" feature under the Tata AIG MediCare Select plan, and how does it safeguard my savings?

The Infinite Advantage is a highly specialized, built-in benefit that provides completely unlimited financial coverage for any single, massive hospitalization or daycare claim during the lifetime of the policy, allowing the insurer to absorb the entire eligible medical bill even if it completely surpasses your chosen base sum insured.

How does the "Early Access" feature benefit individuals who purchase multi-year policies

For policyholders opting for a 2-year or 3-year multi-year tenure with upfront premium payment, the Early Access benefit aggregates the entire multi-year coverage pool from day one, allowing you immediate access to your cumulative sum insured pool at any point during the policy block.

Does the plan offer unlimited restoration of coverage if my sum insured gets exhausted?

Yes, the plan incorporates a Restore Infinity Plus feature that automatically reinstates 100% of your base sum insured unlimited times within a single policy year, which activates seamlessly for both subsequent related and completely unrelated illnesses once your base cover or cumulative bonus is fully utilized.

OneAssure

Health Insurance

TATA AIG

Medicare Select

Tata AIG MediCare Select Plan

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

8.4

Customer Rating

Policy Policy Brochure

Policy Policy Wording

Get a Quote

95.43

Claim Settlement Ratio

7500

Network Hospitals

8.4

Customer Rating

Policy Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: TATA AIG Health Insurance

Final 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

About TATA AIG Health Insurance

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

Medicare Select Ratings

Medicare Select

Insurer Rating

5.99

out of 10

Insurance Rating

7

out of 10

No Room Rent Limit

Add on

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

No

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

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

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

Specific Waiting Period

2 years

PED Waiting Period

3 years

Annual Health Checkup

Health checkup is not included as part of base cover. However, available as an add-on

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

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

Claim Settlement Ratio

95.43%

Maternity Cover

Available

Disease-wise sublimits

No

Co-payment

Not available

Restoration Benefit

es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

Initial Waiting Period

30 days

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Coverage Options

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

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

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

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.

Add ons

Add-Ons

Carry Forward of unutilized Sum Insured

Advanced Cover

Accidental Death Benefit

Aggregate Deductible Discount

Salaried Discount

Professional discount

Waiver of Higher Zone Co-Payment

Modification of Mandatory Sub-Limits

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...