TATA AIG is a general insurance company which is formed as a venture between TATA Group and AIG. AIG, American International Group, is a leading financial services group of USA and TATA Group is a leading Indian industrial conglomerate. The company was established in the year 2001 and since then the company has been offering to innovate insurance solutions in the general insurance segment. TATA AIG offers travel insurance, health insurance, motor insurance and even commercial insurance products. The health insurance plans of the company are quite popular as the company offers health insurance solutions of all kinds. Here are the features and benefits of TATA AIG’s health insurance plans –

  • Indemnity health plans, fixed benefit plans, women-specific health insurance plans are some of the types of plans offered by the company
  • Each health insurance plan offers a good scope of coverage at affordable premium rates
  • The company is tied up with more than 4000 hospitals in India which allows you to avail easy cashless claim settlements
  • The company is available 24*7 online as well as on its customer care helpline for all your queries and complaints

Health insurance plans offered by TATA AIG General Insurance Company Limited:

  • Tata AIG Medicare Plan

  • Medicare is an indemnity health plan which covers the actual cost of hospitalisation incurred in case of illness or injury. The salient features of the plan are as follows –

    • International treatments are also covered
    • Sum insured is restored if it is exhausted any year
    • Sum insured increases by 50% after each claim-free year
    • Premium discounts for choosing shared accommodation, opting for a long term cover and also for adding family members
    • Accidental death benefit rider can be chosen as an optional cover

    Coverage benefits of Tata AIG Medicare Plan:

    Bariatric surgery cover

    Consumables cover

    Inpatient hospitalisation

    Pre and post hospitalisation

    Day care treatments

    Organ donor expenses

    Domiciliary treatments

    Inpatient dental treatments

    AYUSH treatments

    Ambulance costs

    Free health check-ups after 2 claim-free policy years

    Free medical second opinion

    Vaccination cover

    Cost of hearing aids

    Daily cash allowance for shared accommodation and accompanying an insured child

    Compassionate travel

    Plan parameters and other conditions of Tata AIG Medicare Plan:

    Entry age

    5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.

    Policy term

    1-3 years

    Policy type

    Individual or family floater

    Sum insured

    INR 3 lakhs to INR 20 lakhs

    Pre-existing waiting period

    36 months

  • Tata AIG Medicare Protect Plan

  • This is also an indemnity plan like Medicare but with lower premium rates because the sum insured levels are lower. The salient features of the plan are as follows –

    • Lifelong renewal is promised
    • The sum insured is restored if it is used up in a policy year on earlier claims
    • Sum insured increases by 10% after each claim-free year
    • You can choose to opt for accidental death benefit cover

    Coverage benefits of Tata AIG Medicare Protect Plan:

    Pre hospitalisation expenses

    Consumables cover

    Inpatient hospitalisation

    Post hospitalisation expenses

    Day care treatments

    Organ donor expenses

    Domiciliary treatments

    Compassionate travel

    AYUSH treatments

    Ambulance costs

    Free health check-ups after 3 claim-free policy years

    Free medical second opinion

    Plan parameters and other conditions of Tata AIG Medicare Protect Plan:

    Entry age

    5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.

    Policy term

    1-3 years

    Policy type

    Individual or family floater

    Sum insured

    INR 2 lakhs to INR 5 lakhs

    Pre-existing waiting period

    48 months

  • Tata AIG Medicare Premier Plan:

  • Medicare Premier offers a range of comprehensive coverage benefits to policyholders. The features of the plan include the following –

    • Coverage for medical treatments taken abroad is allowed if the insured was diagnosed in India
    • The sum insured is restored completely if it is used upon previous claims
    • A range of premium discounts are available which make the plan very affordable
    • The sum insured is doubled after two claim-free years.

    Coverage benefits of Tata AIG Medicare Premier Plan:

    Bariatric surgery cover

    Consumables cover

    Inpatient hospitalisation

    Pre and post hospitalisation

    Daycare treatments

    Organ donor expenses

    Domiciliary treatments

    Inpatient dental treatments

    AYUSH treatments

    Ambulance costs

    Free health check-ups every year

    Free medical second opinion

    First-year vaccination cover for the newborn baby

    Cost of hearing aids

    Daily cash allowance for shared accommodation and accompanying an insured child

    Compassionate travel

    Maternity cover

    Newborn baby cover

    Vaccination cover for adults

    Prolonged hospitalisation recovery benefit

    Coverage for high-end diagnostic tests on OPD basis

    OPD treatments

    OPD dental treatments

    Emergency air ambulance cover

    Accidental death benefit

     

    Plan parameters and other conditions of Tata AIG Medicare Premier Plan:

    Entry age

    5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.

    Policy term

    1-3 years

    Policy type

    Individual or family floater

    Sum insured

    INR 5 lakhs to INR 50 lakhs

    Pre-existing waiting period

    24 months

  • Tata AIG Mediprime Plan:

  • Mediprime is a popular indemnity health insurance policy offered by TATA AIG which has the following salient features –

    • The sum insured is increased by 10% at the same premium if no claim is made in a policy year
    • The plan can be renewed lifelong

    Coverage benefits of Tata AIG Mediprime Plan:

    Inpatient hospitalisation

    Pre and post hospitalisation

    Daycare treatments

    Organ donor expenses

    Domiciliary treatments

    Accidental dental treatments

    AYUSH treatments

    Ambulance costs

    Free health check-ups after 4 claim-free policy years

    Vaccination for animal bites

    Daily cash allowance for accompanying an insured child

     

    Plan parameters and other conditions of Tata AIG Mediprime Plan:

    Entry age

    5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.

    Policy term

    1-2 years

    Policy type

    Individual or family floater

    Sum insured

    INR 2 lakhs to INR 10 lakhs

    Pre-existing waiting period

    48 months

  • Tata AIG Wellsurance Executive Policy:

  • Wellsurance Executive is a combination of a fixed benefit health plan and indemnity health plan. The plan pays a lump sum benefit in case of various medical complications and actual costs incurred in case of others. The features of the plan are as follows –

    • The plan comes in three variants of Classic, Supreme and Elite
    • The amount payable under different circumstances is different and it depends on the plan variant too
    • Lump-sum payments help you take care of your financial obligations
    • The plan also covers the basic medical expenses which incur in case of hospitalisation 

    Coverage benefits of Tata AIG Wellsurance Executive Policy:

    • Ambulance cost on actuals
    • Critical illnesses (11 illnesses are covered)
    • Daily cash allowance paid for hospitalisation for sickness or accident
    • Operation charges
    • Major surgeries
    • Minor surgeries
    • OPD expenses
    • Kidney dialysis
    • Chemotherapy
    • Hospital cash benefit
    • Convalescence benefit
    • Post hospitalisation expenses

    Plan parameters and other conditions

    Entry age

    18-65 years

    Policy term

    1year

    Policy type

    Individual

    Pre-existing waiting period

    48 months

  • Tata AIG Wellsurance Family Policy

  • Wellsurance Family is a family floater health plan which covers you, your spouse, dependent children and even dependent parents. The salient features of the plan include the following –

    • The plan pays both lump-sum benefits as well as indemnity oriented claims
    • The coverage for different medical costs differs
    • The plan has three coverage variants – Classic, Supreme and Elite
    • Various value-added services are also offered by the plan

    Coverage benefits of Tata AIG Wellsurance Family Policy:

    • Ambulance cost on actuals
    • Critical illnesses (11 illnesses are covered)
    • Daily cash allowance paid for hospitalisation for sickness or accident
    • Daily cash benefit for ICU admission
    • Convalescence benefit
    • Education benefit in case of accidental death or disablement of the insured

    Plan parameters and other conditions of Tata AIG Wellsurance Family Policy:

    Entry age

    Children – 6 months to 23 years

    Adults – 18-65 years

    Policy term

    1year

    Policy type

    Family floater

    Pre-existing waiting period

    48 months

  • Tata AIG Wellsurance Woman Policy

  • This is a specially designed health insurance plan for women. The salient features of the plan are as follows –

    • Both lump sum benefit and actual expenses incurred are paid
    • There are three coverage variants – Classic, Supreme and Elite
    • Coverage amount depends on the coverage benefits and varies across variants

    Coverage benefits of Tata AIG Wellsurance Woman Policy:

    • Ambulance Cost on actuals
    • Critical illnesses (11 illnesses are covered)
    • Daily cash allowance paid for hospitalisation for sickness or accident
    • Daily cash benefit for ICU admission
    • Convalescence benefit
    • Cosmetic reconstruction surgery
    • Education benefit in case of accidental death or disablement of the insured

    Plan parameters and other conditions of Tata AIG Wellsurance Woman Policy:

    Entry age

    18-65 years

    Policy term

    1 year

    Policy type

    Individual

    Pre-existing waiting period

    48 months

  • Tata AIG Critical Illness Insurance Plan:

  • This is a fixed benefit critical illness policy which has the following features –

    • The policy pays a lump sum benefit if the insured suffers from any of the covered critical illnesses
    • The benefit paid can be used for medical treatments or for other financial obligations

    Coverage benefits of Tata AIG Critical Illness Insurance Plan:

    11 Critical illnesses are covered like –

    • First heart attack of specified severity
    • Major burns
    • Cancer of specified severity
    • Open chest CABG
    • Total blindness
    • Stroke which causes permanent symptoms
    • Transplant of major organs or bone marrow
    • Multiple Sclerosis which has persisting symptoms
    • Permanent paralysis of limbs
    • Coma of specified severity
    • Renal failure which requires regular dialysis

    Free medical second opinion in case of any covered critical illness

    Plan parameters and other conditions of Tata AIG Critical Illness Insurance Plan:

    Entry age

    18-65 years

    Policy term

    1 year

    Policy type

    Individual

    Survival period

    30 days after diagnosis of the covered illness

  • Tata AIG MediPlus Plan:

  • MediPlus is a top-up health insurance plan which helps in supplementing your health insurance coverage. You choose a sum insured and a deductible under the plan. If your health insurance claims are more than the chosen deductible, MediPlus pays the excess claim. The features of the plan are as follows:

    • A range of sum insured and deductible options are available
    • You can also choose to waive the deductible if you want by paying an additional premium
    • Premium discounts are available for choosing a long term policy and also for adding family members

    Coverage benefits of Tata AIG MediPlus Plan:

    • Pre hospitalisation expenses
    • Inpatient hospitalisation
    • Daycare treatments
    • Domiciliary treatments
    • Ambulance costs
    • Post hospitalisation expenses
    • Organ donor expenses

    Plan parameters and other conditions of Tata AIG MediPlus Plan:

    Entry age

    5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.

    Policy term

    1-2 years

    Policy type

    Individual or family floater

    Sum insured

    INR 5 lakhs

    Deductible limits

    INR 1-5 lakhs

    Pre-existing waiting period

    48 months

  • Tata AIG MediSenior Plan:

  • MediSenior is a senior citizen health insurance policy which covers older individuals at affordable premiums. The salient features of the policy include the following –

    • In case there is no claim in a policy year, a premium discount of 5% is allowed under the plan
    • There is no limit on the maximum entry age. Individuals aged 61 years and above can easily buy the policy
    • The spouse can also be covered under an individual sum insured

    Coverage benefits of Tata AIG MediSenior Plan:

    • Pre hospitalisation expenses
    • Inpatient hospitalisation
    • Daycare treatments
    • Domiciliary treatments
    • Ambulance costs
    • Post hospitalisation expenses
    • Organ donor expenses

    Plan parameters and other conditions Tata AIG MediSenior Plan:

    Entry age

    61 years onwards

    Policy term

    1-2 years

    Policy type

    Individual

    Sum insured

    INR 2 lakhs to INR 5 lakhs

    Pre-existing waiting period

    48 months

  • Tata AIG MediRaksha Plan

  • MediRaksha is a simple health insurance plan which covers the hospitalisation expenses incurred in case of sickness or accident. The features of the plan include the following –

    • Coverage is available for up to seven family members including dependent parents too
    • No pre-entrance medical check-ups are required till 55 years of age
    • Two types of premium discounts are available for lower premiums

    Coverage benefits of Tata AIG MediRaksha Plan

    • Pre hospitalisation expenses
    • Inpatient hospitalisation
    • Daycare treatments
    • Free health check-up after 4 claim-free years
    • Ambulance costs
    • Post hospitalisation expenses
    • Organ donor expenses

    Plan parameters and other conditions of Tata AIG MediRaksha Plan:

    Entry age

    5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.

    Policy term

    1-2 years

    Policy type

    Individual or family floater

    Sum insured

    INR 50,000 to INR 1 lakh

    Pre-existing waiting period

    48 months

  • Tata AIG Health Insurance Coverage exclusions

  • All the health insurance plans offered by TATA AIG offer unmatched coverage benefits. However, there are certain situations in which the plan does not provide coverage. These are called policy exclusions. Almost all health insurance plans of the company have some common coverage exclusions which include the following –

    • Self-inflicted injuries attempted suicides or deliberate acts of harm to self
    • Injuries sustained when you are under the influence of alcohol/drugs or when you are committing a criminal act
    • Sexually transmitted diseases, HIV or AIDs infections and other venereal diseases
    • Maternity expenses, childbirth and pregnancy unless these costs are specifically covered
    • Expenses incurred on an outpatient basis unless they are expressly covered
    • Treatments taken at a place which is not a hospital
    • Experimental and unproven treatments
    • Pre-existing illnesses would not be covered during the specified waiting period
    • Any illness occurring within the first 30-60 days of buying the policy would not be covered. However, accidental injuries are covered from the first policy date
    • Accidents and injuries due to war, nuclear threats or contamination, civil unrest, etc.
    • Cosmetic treatments and procedures
    • Mental disorders or psychiatric conditions and treatment
    • Congenital disorders, etc.

The premium for TATA AIG Health Insurance Plans:

The premium for TATA AIG’s health insurance plans is calculated after taking into consideration a lot of factors. These factors either increase or decrease the premium rate. Let’s understand what these factors and how they affect the premium rate of TATA AIG’s health insurance policies –

Factors affecting premium

Effect on health insurance premium

Age of the insured

Higher the age higher is the premium charged

Number of members covered

More the number of family members covered under the same plan, more would be the premium

Coverage benefits

More the coverage benefits there are in the health insurance plan, higher would be the rate of premium charged

Medical health

If there is any ailment or sickness suffered by you and/or your family members, the premiums would be higher

No claim bonus discount

If there is a premium discount for not making any claim in the policy, the premium would be lowered

Long term discount

If you choose a long term coverage for 2 or 3 years, there would be a premium discount which would reduce the premium rate

Family discount

TATA AIG offers a premium discount to lower your premium rate if you add family members to the coverage

Riders selected

If you opt for the available riders under the plan, the premiums would be high because riders have additional premiums

Location

Premium also depends on your residential area. If you live in a metropolitan city, premiums would be high

Gender

Females are charged lower premium rates than their male counterparts

Sum insured

The higher the level of sum insured, the higher would be the premium charged

How to buy TATA AIG’s health insurance plans?

There are various ways to buy TATA AIG’s health insurance plans. These ways include the following –

  • Through an agent – you can meet with an agent of TATA AIG and then buy a plan from him/her as per your requirements.
  • Through the company’s branch – instead of looking for an agent, you can visit the branches of the company which are located throughout India. At these branches, you can meet up with the executives of the company and buy a health insurance plan with their help.
  • Over the phone – you can call the company’s toll-free number 1800 266 7780 and talk to the company’s customer care executive. The executive would help you buy the health insurance plan that you want to buy.
  • Online – the online medium has developed and nowadays you can easily buy TATA AIG’s health insurance plans online. To buy the plan online, go to the website of the company, the steps are as follows –
    • Visit the company’s home page https://www.tataaig.com/ and choose ‘Health’
    • Enter the relevant details asked in the ‘Health’ section like your gender, area PIN code and the members that you are looking to cover
    • Hit ‘Get Quote’ and you would be asked to provide your date of birth
    • You would have to provide your contact details and any pre-existing illnesses if you have
    • After all the details are entered, you can check the premium rates of the different health insurance policies offered by the company
    • Choose the policy as per your coverage requirements, pay the premiums online and the policy would be issued.

If you choose to buy the policy online, there is another alternative way through Turtlemint. Turtlemint is an online website which offers you a range of health insurance solutions for your needs. On Turtlemint’s website, you can not only buy TATA AIG’s health insurance plans, but you can also compare the plans with other plans and then choose to buy the best policy. Thus, Turtlemint offers you an edge over buying a health insurance policy. The steps to buy are simple too. These include the following –

  • Visit Turtlemint’s website at www.turtlemint.com and choose ‘Health’
  • You would get three options from which you should choose ‘Buy new policy’
  • In the following pages you would have to enter your details like your gender, members which you would like to cover, yours and your family members’ age, history of diseases, area PIN code, income and your contact details
  • Based on the details that you have entered, you would be able to check the different policies available in the market
  • The sum insured would also be recommended by Turtlemint and you can choose to increase or decrease the level as per your requirements
  • You can choose add-ons and check the updated quotes of the policies which are displayed
  • You can then choose the most suitable policy from the range of policies listed on Turtlemint’s platform and insure yourself and your family.

Documents required to buy a Tata AIG Health Insurance Policy

The following documents would be required when you are buying the policy for the first time –

  • Identity proof
  • Address proof
  • Age proof
  • Photograph
  • Medical examination report (if required depending on your age and sum insured selected)
  • Any other document as required by TATA AIG

How to renew TATA AIG’s Health Insurance plans?

Renewing TATA AIG’s health insurance plans is also as simple as buying the policy. You can renew the policy through an agent of the company, by visiting the branches of the company, over the telephone or online. Online renewals are easy, quick and simple and include the following steps –

  • Visit the company’s website at www.tataaig.com
  • Choose ‘Renew’ and then choose ‘Health’
  • Enter your mobile number which is registered with TATA AIG and the policy number of your existing policy
  • Once your existing policy details are provided, you can check the details and make any changes if you want
  • The renewal premium would be shown which you should pay online and the policy would be renewed.

Turtlemint also allows you easy online renewals of your TATA AIG health insurance plans. For doing so you have to take some simple steps which are as follows –

  • Visit Turtlemint’s website which is www.turtlemint.com
  • Choose ‘Health’ and you would again get three options
  • You can choose ‘Buy new policy’ or ‘Change insurer’ to renew with another insurance policy
  • Then you would have to enter your personal details based on which the premiums for different policies would be shown
  • You can compare the policies and then choose the one which offers the best coverage benefits at the lowest premium rates
  • Pay the premiums online and you can get the policy issued instantly.

TATA AIG’s health insurance claims:

TATA AIG allows you to register your health insurance claims online on its website. Visit the website of the company and choose ‘Claims’. You can, then, register or track your claims and even download claim documents from the website. Once the claim is registered, the company would verify it, assess it and settle your claims.

Health insurance claims can be cashless or through reimbursement. If you want a cashless claim settlement you should take the following steps –

  • Seek treatments in a hospital which is tied-up with TATA AIG. The list of tied-up hospitals can be checked on the company’s website or you can call the company’s customer care helpline and find out the networked hospitals in your area
  • You need to fill and submit a pre-authorization claim form containing the details of your claim. This form is available at the hospital’s TPA desk and you should fill and submit it within the prescribed timeline. In case of emergency hospitalisation, the form is required to be submitted within 24 hours of hospitalisation. In case of planned hospitalisation, however, you should submit the form at least 3-4 days before being hospitalised
  • Based on the pre-authorisation form, the company assesses and approves the claim
  • Once the claim is approved, you can avail cashless treatments. The hospital bills would be directly settled by the company
  • Once you are discharged, submit your medical bills, medical reports and Discharge summary in original to the insurance company with your claim form
  • If, however, you take treatment at a non-networked hospital, you would have to bear the medical costs yourself. Later on, you can file your claim with the insurance company, submit all the relevant documents and you would get reimbursement of the expenses you paid.

There is another alternative way to handle your health insurance claims. You can contact Turtlemint and get your claims settled in an easier way. Turtlemint has an in-house dedicated claim settlement department which handles all customers’ claims. You simply have to inform Turtlemint through a phone call at its toll-free number 1800 266 0101 or drop an email at the company’s email ID claims@turtlemint.com. Once Turtlemint has been intimated, your claim would be handled by the company and you can relax. Turtlemint’s team would coordinate your claim with the health insurance company and help you get a settlement within the quickest possible time.

Documents required for making TATA AIG’s health insurance claims

The following documents would have to be submitted when raising a claim under TATA AIG’s health insurance plans –

  • Claim form which should be duly filled in with all the relevant details
  • Discharge Summary which is given by the hospital after you are discharged
  • All original medical bills which show the costs incurred
  • All original medical reports which show the proof of treatments taken
  • Any other medical documentation related to the claim
  • Identity proof of the insured member
  • Health card issued by the company
  • Police FIR if hospitalisation is due to an accident
  • Any other documents if required by the insurance company

Once all the documents are submitted the claim would be settled at the earliest.


FAQ’s

Yes, the co-payment clause is applicable in certain health insurance plans offered by TATA AIG. Under this clause, a percentage of the health insurance claim would be paid by you and the remaining claim would be settled by the insurance company.


Daycare treatments are those which do not require hospitalisation of 24 hours or more. These treatments take a few hours after which you can be discharged because of the advanced medical techniques which are now practised. Daycare treatments are covered under all health insurance plans.


Top-up plans have a concept of deductible up to which no claims are admissible. As soon as any claim exceeds the deductible limit, the excess is then covered under top-up health insurance plans. For instance, suppose, a top-up plan is bought with a sum insured of INR 5 lakhs and a deductible of INR 2 lakhs. A claim of INR 1.9 lakhs would not be covered by the plan because it is below the deductible limit. However, if the claim is for INR 201,000, the excess of INR 1000 would be covered under the top-up plan. Thus, top-up plans cover only those claims which exceed the deductible limit.


Yes, the premiums paid for health insurance plans have tax-saving benefits. The premiums are allowed as a deduction under Section 80D. You can claim a maximum deduction of up to INR 25,000 on the premium you pay for your health insurance. However, for a senior citizen, the 80D limit is INR 50,000 per annum.

So, if you buy a separate plan for your senior citizen dependent parents and pay their premiums, you are eligible for an additional income tax deduction of INR 50,000. Thus, you can claim a deduction of up to INR 50,000 on the premiums you pay for yourself and your family and another INR 50,000 for premiums paid for your dependent parents. This brings the total deduction to up to INR 1 lakh.


Usually, family floater health insurance plans allow coverage only for a spouse, dependent children and dependent parents. However, there are some family floater health plans which allow extended relations to also be covered under the policy. Under such health plans, you can get coverage for your dependent siblings.

TATA AIG General Insurance