Tata AIG General Insurance Company Limited is a well-known private insurer founded in the year 2001. It is a joint venture between the Tata Group and American International Group (AIG). The company offers various lines of non-life insurance products that include home insurance, motor insurance, travel insurance and health insurance, commercial insurance and rural insurance and more. Tata AIG insurance is a trusted brand in providing innovative risk solutions. Let’s take a look at certain facts about the company.
Tata AIG General Insurance Company offers a variety of products in its product portfolio which can suit changing and varying needs of various customer segments such as retail, commercial and rural. Following are the types of products offered by the company:
Personal Category
Business Category
Let’s learn various plans available in the personal category
Health is wealth. But health emergencies can come unexpectedly. Considering the rising healthcare inflation, having adequate health insurance is the need of the hour. Tata AIG Insurance offers a variety of health plans to suit the diverse healthcare needs of people with 3,000+ network hospitals across the country. Following are the plans offered by the company:
MediCare is a comprehensive health insurance plan offered by Tata AIG Insurance Company. This policy can be availed on an individual or on a family floater basis. With some amazing features and additional benefits, MediCare provides complete protection against unexpected health contingencies.
Features of Tata AIG MediCare Plan
Eligibility Criteria for Tata AIG MediCare Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required up to 45 years of age |
Relationships covered |
Self, spouse, dependent children, dependent parents |
Co-payment |
10% co-payment is applicable |
Pre-existing illnesses waiting period |
36 months |
Sum insured |
INR 3,00,000 to INR 20,00,000 |
It is a comprehensive health plan with extensive coverage. This can be availed as an individual or as a family floater plan. The plan offers various innovative and beneficial features.
Features of Tata AIG Medicare Premier Plan
Eligibility Criteria for Tata AIG Medicare Premier Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required up to 45 years of age |
Relationships covered |
Self, spouse, dependent children, dependent parents |
Co-payment |
Not applicable |
Pre-existing illnesses waiting period |
24 months |
Sum insured |
INR 5,00,000 to INR 50,00,000 |
MediCare Protect is a simple and comprehensive plan that covers major health contingencies. Plan can be availed as an individual or on family floater basis.
Features of Tata AIG MediCare Protect Plan
Eligibility Criteria for Tata AIG MediCare Protect Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required up to 45 years age |
Relationships covered |
Self, spouse, dependent children, dependent parents |
Co-payment |
10% co-payment applicable |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 2,00,000 to INR 5,00,000 |
This plan offered by Tata AIG insurance is a plan that covers major health emergencies along with critical illness. The policy comes with many unique features and benefits.
Features of Tata AIG Wellsurance Executive Plan
Eligibility Criteria for Tata AIG Wellsurance Executive Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Pre-existing illnesses waiting period |
Pre-existing illnesses arenot covered |
Sum insured |
Classic – INR 3,00,000 Supreme – INR 5,00,000 Elite – INR 7,50,000 |
The policy is specially designed to meet the healthcare needs of senior citizens during their golden years of life. The policy can be taken on an individual or floater basis.
Features of Tata AIG MediSenior Plan
Eligibility Criteria for Tata AIG MediSenior Plan
Entry age |
61 years and above |
Renewability |
Lifelong renewable |
Pre-entrance medical check-ups |
Required |
Relationships covered |
Self and spouse |
Co-payment |
15% to 30% co-payment is applicable |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 2,00,000 to INR 5,00,000 |
The policy is specially crafted for women to cover the 11 major critical illnesses.
Features of Tata AIG Wellsurance Woman Plan
Eligibility Criteria for Tata AIG Wellsurance Woman Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Pre-existing illnesses waiting period |
Pre-existing illnesses are not covered |
Sum insured |
Classic – INR 3,00,000 Supreme – INR 5,00,000 Elite – INR 7,50,000 |
It is a top-up plan offered by Tata AIG insurance that is designed to provide extra coverage over and above the base health plan.
Features of Tata AIG MediPlus Plan
Eligibility Criteria for Tata AIG MediPlus Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required up to 45 years of age |
Relationships covered |
Self, spouse, dependent children, dependent parents |
Deductibles |
INR 1,00,000 to INR 5,00,000 |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 5,00,000 |
Tata AIG MediRaksha plan provides greater security with more coverage at an affordable rate. The plan comes with many attractive features.
Features of Tata AIG MediRaksha Plan
Eligibility Criteria for Tata AIG MediRaksha Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewability |
Entry age for dependent children |
91 days |
Pre-entrance medical check-ups |
Not required till 55 years of age |
Relationships covered |
Self, spouse, dependent children and dependent parents |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 50,000, INR 75,000 or INR 1,00,000 |
It is a single plan to protect the entire family against health contingencies. The policy covers 11 major critical illnesses on the diagnosis.
Features of Tata AIG Wellsurance Family Plan
Eligibility Criteria for Tata AIG Wellsurance Family Plan
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Entry age for dependent children |
6 months |
Relationships covered |
Self, spouse and dependent children |
Pre-existing illnesses waiting period |
Pre-existing illnesses are not covered |
Sum insured |
Classic – INR 2,00,000 Supreme – INR 3,00,000 Elite – INR 4,00,000 |
This plan is specially crafted by Tata AIG insurance to protect the insured against various critical illnesses. The policy pays out a lump sum benefit.
Features of Tata AIG Critical Illness policy
Eligibility Criteria for Tata AIG Critical Illness policy
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewable |
Pre-existing illnesses waiting period |
48 months |
Sum insured |
INR 2,50,000 to INR 15,00,000 |
House is the costliest and most treasured asset that one owns. It’s important to protect the house from various unforeseen circumstances. Home insurance plans provide protection to the property against various types of risks such as accidents, thefts and perils damage. Tata AIG Insurance offers a variety of home insurance plans to cater to the diverse needs of people. Following are the plans offered by the company:
It is a self-insurance product that allows individuals to choose, customise and design their own home insurance plan instantly.
Features and Benefits of Tata AIG Instachoice Plan
It is a flexible home insurance plan offered by Tata AIG insurance with customisable features. The policy offers 15 comprehensive coverage options to choose from.
Features and Benefits Tata AIG Home Secure Supreme Plan
This plan provides on the spot coverage to home with minimal documentation
Features and Benefits of Tata AIG Home Coupon Plan
This plan provides coverage for the house against fire and some special perils. Anyone residing in a self-owned or rented house can buy this cover.
Features and Benefits of Tata AIG Standard Fire and Special Perils
Car or bike is one of the most valuable assets owned by individuals. A lot is spent on choosing the dream model, it’s important to protect them from any unforeseen contingencies. Availing comprehensive motor insurance is the ideal way. Motor insurance is also a legal compulsion in India. It’s mandatory to have third-party liability motor insurance cover for any vehicle to ply on Indian roads. Following are the motor insurance policies offered by Tata AIG insurance.
Tata AIG Auto secure – private car policy is a comprehensive car insurance policy offered by Tata AIG insurance. The policy is customisable along with providing extensive coverage. Following are the coverages offered under the plan:
The policy offers 13 different add-ons such as depreciation reimbursement, return to invoice, roadside assistance and no claim bonus protection and many more to allow customisation. These add-ons can be included to the base cover depending on the requirement at an additional cost of the premium.
Two-wheeler insurance package of Tata AIG insurance provides comprehensive coverage against all possible risks. Following are the coverages offered:
Add-ons to customise the cover are offered such as consumable cover, emergency medical expenses and personal accident cover for unnamed persons etc.
This plan provides comprehensive cover for the long-term. Following are the coverages provided
Tata AIG insurance will pay for accidental death or bodily injury sustained by owner-driver of the vehicle for up to INR 15 lakhs
A commercial vehicle is a livelihood for many. The policy provides complete protection against various contingencies related to a commercial vehicle. Coverage is provided for goods carrying vehicle, taxis, passenger-carrying vehicles, tractors, cranes and trailers. Following are the covers offered.
Travelling is an exciting experience. Be it for leisure or for business, be it a solo trip or with the family, be it a domestic or international trip, the entire journey needs to be hassle-free and cherishable. Travel insurance offered by Tata AIG insurance provides complete protection against any adverse situations, both medical and non-medical during the travel. Tata AIG insurance is known to provide round the clock worldwide assistance. Following are the various travel plans offered by Tata AIG insurance:
Tata AIG Travel Guard Plan is an international health insurance policy offered by Tata AIG insurance to provide comprehensive coverage against various non-medical and medical risks during travel overseas. The coverage includes checked-in lost baggage, misdirected or delayed baggage, home burglary, loss of passport, hijacks, flight delay, unavailability of flights, cancelled bookings of accommodation and personal liability etc. Medical coverage in the policy includes accidental death and injury, dental treatment, sickness, emergency transportation and pre-existing condition or any other complications are covered. The policy cover can be availed on multi-trip or single trip basis. Coverages under the plan are offered differently with many variants of plan available. Medical coverage of up to $0.5 million is offered under the plan.
Tata AIG Student Guard Plan is an international travel insurance plan designed by Tata AIG insurance specifically for students travelling overseas for higher education. The policy comes in many variants with maximum coverage of up to $ 500,000. The coverage under the policy includes baggage loss, baggage delay, hijack cash benefits, loss of passport, missed departure, missed connection, personal liability, trip delay and fraudulent charges etc. Medical coverage under the policy includes accident and sickness medical expenses, accidental death and dismemberment, expenses incurred for repatriation of mortal remains back to India and compassion visit of the family during hospitalisation etc. coverage also includes study interruption in case of injury, sickness or terminal illness and sponsor protection cover. Basically, the policy takes care of students overseas so they stay focused on studies without any hassles.
Tata AIG Asia Travel Guard policy offered by Tata AIG insurance is a plan that is designed to give travel protection for trips to Asian countries (excluding Japan and Korea). The policy comes with a variety of benefits and coverages. Non-medical coverage under the policy includes baggage delay, baggage loss, personal liability and loss of passport etc. Medical benefits under the policy include accidental death and disabilities, emergency medical evacuation, repatriation of mortal remains and accident & sickness medical expenses benefit. Additionally, the arrangement of admission to hospital service is offered by the policy. Individuals up to 70 years of age can avail cover under this policy.
Tata AIG Domestic Travel Guard policy offered by Tata AIG insurance makes sure the domestic travels are extensively covered and the experience of a trip is relaxed and pleasant. The coverage includes loss of tickets, reimbursement of accommodation expenses, property damage and personal liability, missed flights and delayed flight etc. Medical cover includes reimbursement of treatment, transportation and medical supplies during hospitalisation, death and injury etc. However, pre-existing health conditions are not covered under the policy.
Accidents are unexpected and inevitable. Tata AIG Insurance offers various individual personal accident plans to provide protection against accidental injury or death. Following are the plans offered by the company:
This policy provides comprehensive coverage against accidental death and disabilities. Coverage can be availed from INR 5 lakhs to INR 1 Cr.
Features of Tata AIG Accident Guard Policy
The policy provides all-round cover for death and disability caused due to an accident
Features of Tata AIG Accident Shield Plan
The policy provides extensive coverage for any loss of life or disability caused by minor or major accidents.
Features of Tata AIG Injury Guard Policy
The policy offers coverage for all the adversities caused by an accident.
Features of Tata AIG Secured Future Plan
This plan provides comprehensive coverage against every type of accidental injury along with death and disability.
Features of Tata AIG Maha Raksha- Personal Injury Policy
The plan comes with various attractive features to protect the family’s future during an unfortunate accident.
Features of Tata AIG Secured Income High Policy
The plan provides adequate protection to the family of insured in case of accidental death and disabilities.
Features ofTata AIG Income Guard Plan
Pradhan Mantri Fasal Bima Yojana was introduced in the year 2016 by the Government of India for the welfare of farmers in order to reduce their agricultural distress. Basically, the plan provides financial support to the farmers suffering from crop loss or damage due to unforeseen events. The plan helps farmers to adopt innovative and modern agricultural practices by providing coverage to food crops (millets, cereals and pulses), annual horticultural crops and oilseeds.
The plan provides comprehensive protection for tractors, two-wheelers, private car and commercial vehicles against various unforeseen risks at an affordable rate.
The policy provides extensive coverage for home, shops, outlets, schools and machinery (pump sets) in rural India from various risks.
The policy provides coverage for accidental death, dismemberment, repatriation of mortal remains, emergency medical expenses, permanent total disability, permanent partial disability, accident hospital cash and tuition benefits etc.
The policy provides comprehensive coverage of cattle against death due to diseases, natural calamities, accidents, riots, malicious damage, terrorism, permanent loss of milk yielding capacity due to disease.
Tata AIG Insurance provides health and accident insurance cover for the rural population at a lower rate of premium. Coverage includes accidental death, dismemberment, disappearance, repatriation of mortal remains, emergency medical expenses, permanent total disability, permanent partial disability, accident hospital cash and tuition benefits etc.
Now, let’s learn various plans offered under the business category.
Tata AIG Auto Secure Corporate Fleet Plan
The policy provides coverage against any loss or damage to the vehicle caused by any accidental external means and third party losses.
Tata AIG Corporate Health Insurance Plans
Health insurance plans offered by Tata AIG Insurance for the corporate help them build employee loyalty by giving them comprehensive health insurance coverage at an affordable price. Following are the health plans offered by the company:
Tata AIG Corporate Travel Insurance Plans
Corporate travel plans of Tata AIG Insurance helps the employer to buy specialised travel solutions for their employees with worldwide assistance. Following are the travel insurance plans offered by the company for corporates
Tata AIG Small Business Insurance Plans
Tata AIG Insurance Company offers a variety of insurance solutions for small businesses to help them protect their business assets, income and properties from various risks and unforeseen events. Following are the various plans offered by the company.
Tata AIG Fire and Engineering Insurance Plans
Tata AIG Insurance provides a wide range of business insurance solutions irrespective of the business size so that the businesses can get adequate cover against all kinds of risk exposures. Following are the various types of plans offered by the company for covering a diverse range of perils.
Tata AIG Marine Cargo Insurance Plans
AIG is known as the world leader for providing the best marine insurance solution. Tata AIG insurance offers coverage against various marine perils to the businesses. Following are the plans offered by the company:
Tata AIG Casualty Insurance Plans
Expensive lawsuits can make a successful business to take a halt. Tata AIG Insurance Company specialises in providing customised liability insurance solution to cover a wide range of liability exposure for businesses. Following are the plans offered by the company.
You can purchase Tata AIG Insurance plans both offline and online modes. Offline plans are sold by the insurance company directly at the branch offices and also can be purchased through insurance advisors.
You can also buy them online on their company’s website with some simple buying process to follow.
However, Turtlemint offers the easiest way to buy Tata AIG Insurance plans online with an option to compare similar insurance plans available in the market. Following is the simple process to buy health and motor insurance plans of Tata AIG Insurance Company online through Turtlemint –
Renewing the insurance plans of Tata AIG Insurance Company is convenient and easy. Following are the steps for renewal of plans through the company’s website-
Renewal of Tata AIG Insurance plans can also be done through Turtlemint online. If you have purchased a policy through Turtlemint, you would be having user details to access online. Log in with your user credentials and access the existing policy details on turtlemint website. Click on ‘renew’ option, pay the renewal premium and renew your policy easily.
Claim process for Tata AIG Insurance plans are quite simple, easy and quick. Process varies for each category of products. Let’s take a look at claim process for main categories like motor and health insurance plans
Health insurance claims can be settled in two ways by Tata AIG Insurance
If the insured takes the treatment in-network hospitals, below process needs to be followed:
In case insured takes the treatment in non-network hospitals, below process needs to be followed:
Following is the process to be followed:
For any other queries, you can contact Turtlemint support team on 1800-266-0101 or Tata AIG Insurance Company.
Address: Tata AIG General Insurance Company Limited, Peninsula Business Park, Tower A, 15th Floor, G K Marg, Lower Parel, Mumbai – 400 013
Toll Free number: 1800 266 7780 / 1800 22 9966 (only for senior citizen policyholders)
Fax Number: 022 66938170
Email ID: customersupport@tataaig.com
The premium for Tata AIG Insurance plans can be paid online without any hassles using below payment modes:
However, below modes can be used for offline premium payment method
Payments can be made through branch offices, agents of Tata AIG Insurance, insurance brokers and channel partners
Renewal of Tata AIG Insurance plans online is quite simple and easy. Follow below steps to renewal:
Tata AIG insurance plans provide 15 days free look period to review the policy terms and conditions. If you are not satisfied with the terms and conditions, you can opt for policy cancellation with reasons stated anytime within the free look period.
During repair/replacement claim, base motor insurance plan compensates for cost after factoring in depreciation for the parts. The add-on ‘depreciation reimbursement’ pays for the amount of depreciation deducted on the value of parts.