How does the waiting period affect my coverage?

The Tata Medicare Plus policy has a waiting period of 30 days for new illnesses (except accidents), 24 months for specific diseases, and 36 months for pre-existing conditions. Coverage begins after these periods end.

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

If no claims are made in a policy year, Tata Medicare Plus offers a cumulative bonus, increasing the sum insured for the next year without additional premium, enhancing coverage over time.

Will my health insurance cover treatment abroad?

Tata Medicare Plus does not provide coverage for overseas treatments. The policy benefits are applicable only within India, and medical expenses incurred abroad will not be reimbursed.

Can Tata AIG Medicare Plus be customized with riders?

Yes, Tata AIG Medicare Plus can be customized with riders.

OneAssure

Health Insurance

TATA AIG

Medicare Plus

Tata AIG Medicare Plus

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 Brochure

Policy Policy Wording

Get a Quote

95.43%

Claim Settlement Ratio

7500+

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: TATA AIG Medicare Plus

Final Verdict

Tata AIG MediCare Plus Plan offers cost-effective, comprehensive coverage, including maternity and dental treatments, with no co-payment options. Ideal for those seeking to enhance existing coverage and manage rising medical expenses.

About

About TATA AIG Medicare Plus

Tata AIG's MediCare Plus Plan is a super top-up health insurance covering ₹3 lakh to ₹1 crore. It activates after the deductible is exhausted, enhancing existing coverage. With 12,000+ cashless hospitals, no pre-policy medical check-up, and Section 80D tax benefits (up to ₹75,000), it covers domiciliary, AYUSH, and in-patient dental treatments, providing comprehensive, cost-effective healthcare protection against rising medical expenses.

Medicare Plus Ratings

Ratings: TATA AIG Medicare Plus

Insurer Rating

9.07

out of 10

Insurance Rating

6.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Add on

Unlimited Restoration

No

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

swipe

Inclusions and Exclusions

Inclusions and Exclusions of TATA AIG Medicare Plus

Disease-wise sublimits

No

Co-payment

Not available

Initial Waiting Period

30 days

Restoration Benefit

Not available

Waiting Period

Initial waiting period: 30 Days
Specific Waiting Periods: 24 Months
Pre-Existing Diseases: 36 Months

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

Coverage Options

Available coverage options: ₹3L, ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

95.43%

Maternity Cover

Not available

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

Deductible Option

Available

Cashless Healthcare Providers

12046+ Healthcare Providers

Daycare Treatment

Cover expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre.

AYUSH Treatment

Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy systems.

Room Rent

No capping on room rent or ICU charges.

ICU Charges

No restriction on ICU room rent

Annual Health Checkup

Health check-up is available once every policy year, from day 1 of the policy

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Consumable Cover

Yes

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

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

Disease-wise sublimits

No

Co-payment

Not available

Initial Waiting Period

30 days

Exclusions

Pre-existing diseases not covered for 36 months.
Cosmetic or plastic surgery unless medically necessary.
Injuries due to hazardous activities or adventure sports.
Treatment for drug or alcohol addiction.
Non-prescribed vitamins, supplements, or tonics.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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.