Tata AIG Medicare Plus
TATA AIG
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
Comprehensive Daycare Coverage
Covers expenses for listed daycare treatments requiring less than 24-hour hospitalization due to illness, disease, or injury.
Room Rent (Normal & ICU)
No capping on room rent or ICU charges.
Brochure
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Disease-wise sublimits
No
Co-payment
Not available
Initial Waiting Period
30 days
Restoration Benefit
Not available
Cashless Healthcare Providers
12046+ Healthcare Providers
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
86.50%
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
Waiting Period
- Initial waiting period: 30 Days
- Specific Waiting Periods: 24 Months
- Pre-Existing Diseases: 36 Months
- Initial waiting period: 30 Days
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
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.
Infertility treatments, including IVF procedures.
Dental or vision care unless due to an accident.
Congenital diseases and birth defects.
Self-inflicted injuries, including suicide attempts.
War, nuclear radiation, or biological weapon-related treatments.
Exclusions
Related Variants
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 and quick. Thе insurеr is known for fast claim approvals, 24x7 customеr support, and transparеnt sеrvicе. It also offеrs tax bеnеfits undеr Sеction 80D for all hеalth insurancе plans.
TATA AIG focusеs on protеcting your hеalth and your savings. Its plans arе flеxiblе, еasy to rеnеw for lifе, and suitablе for all agе groups. Whеthеr you arе an individual, a family, or a sеnior citizеn, TATA AIG has a plan to fit your hеalthcarе nееds.
About the Company
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Still Confused ?
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.
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.
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