TATA AIG Health Insurance Plans

TATA AIG Medicare Insurance

Tata AIG Medicare insurance quotes

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Tata AIG Medicare Products

Medicare Premier

Covers upto 7 members (Self, Spouse, upto 3 dependent children and upto 2 dependent parents. Know more »

Medicare Protect

Coverage available is Rs. 2,00,000, Rs. 3,00,000, Rs. 4,00,000, Rs. 5,00,000. Know more »

TATA AIG Health Insurance Review

TATA AIG Health Insurance
Travel insurance for Coronavirus Covid Covers Covid19 Medical Expenses
TATA AIG Health Insurance sum insured
3 lacs − 20 lacs options available
Incurred Claims Ratio *
TATA AIG Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
List of network hospitals
7,200+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children + 2 dependent parents
Number of lives covered *
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Why buy Medicare health insurance?

  • Covers expenses for hospitalization due to disease/illness/injury.
  • Covers Medical Expenses up to sum insured related to Inpatient & Day Care Hospitalization of the Insured Person incurred outside India.
  • Covers treatment of Obesity and weight control.
  • 100% automatic restoration of base sum insured.
  • 540+ listed Day Care Treatment covered. (List of Day Care procedures)
  • Second opinion for listed diseases.
  • Covers Ayush (in-patient treatment) benefit taken under Ayurveda, Unani, Sidha and Homeopathy.
  • Emergency Ambulance cover.
  • Pre-existing diseases covered after 3 years of continuous coverage.
  • 50% no claim bonus on base sum insured, max up to 100%.
  • In Patient Dental Treatment.
  • Vaccination Cover.
  • Renewal for life.
  • Tax Benefit under section 80D of Income Tax.
  • Health Checkup after every 2 continuous claim free policy years.
  • Covers up to 7 members (Self, Spouse, up to 3 dependent children and up to 2 dependent parents.
  • Discount on premium – 2 members- 20%, 3 members – 28%, 4 members and above – 32%.
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Tata AIG MediCare health insurance benefits

  • Key Features and Eligibility
  • Unique Features
  • Benefits
  • Coverage
  • Discounts
  • Description of key benefits
  • Exclusion

Key policy features of Tata AIG medicare insurance

  • Room Rent : Shared Accommodation(with 10% co-pay)/ Single Private A/c Room
  • Co-pay : NIL co-pay for all treatment
  • Restoration Benefit: NIL co-pay for all treatment
  • Policy Type
    • Individual
    • Family Floater
      • Self
      • Spouse
      • 3 dependent children (upto the age of 25 years. Once the child completes 25 years, they can be covered as an Independent member without losing the continuity benefit)
      • 2 dependent parents
  • Policy Tenure
    • 1 /2/3 years
  • Lifetime Renewability

Eligibility of Tata AIG medicare insurance

Entry Age
  • 5 years onwards
  • Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
  • Maximum entry age is 65 years
  • No maximum ceasing age

Unique selling proposition of Tata AIG Medicare health insurance

  • Catering to needs as per a developing Indian Health market in terms of Benefits / Sum Insured Options
  • Special Features
    • Higher sum insured options in MediCare (upto ₹20 Lacs) and MediCare Premier (upto ₹50 Lacs)
    • No room rent restrictions in MediCare Premier/MediCare
    • In case of MediCare, two variants for accommodation cover – Single Private room/ Shared
    • Restore Benefit (for related as well as unrelated illnesses)
    • Longer tenure upto 3 years
    • Consumables Benefit available
    • Higher Cumulative Bonus than most plans in the India market
    • Optional PA cover for MediCare Protect and MediCare
  • Tata AIG is equipped to offer quality health care with our strong network of 4000+ hospitals across India.
  • Lifelong renewal: Lifelong renewal for your policy provided premium is paid without any break. Premiums will be basis the age, sum insured and plan with no extra loading
  • Global Cover: Insured can be covered for Medical Expenses incurred outside India, upto the sum insured provided that the diagnosis was made in India and the insured travels abroad for treatment.
  • Process
    • Uniform PPC grids
    • Simpler & Reduced medical questions in Proposal Form
    • Tele Underwriting – Medical Examination Report over the telephone
  • Claims
    • Plan for in house servicing of claims

Benefits of Tata AIG Medicare Insurance((All Amounts in ₹ INR)

Tata AIG Medicare Protect Tata AIG Medicare Tata AIG Medicare Premier
Maximum Sum Insured
200,000 / 300,000 / 400,000 / 500,000 3,00,000 / 4,00,000 / 5,00,000 / 7,50,000 / 10,00,000 / 15,00,000 / 20,00,000 5,00,000 / 10,00,000 / 15,00,000 / 20,00,000 / 25,00,000 / 50,00,000
Inpatient Treatment
Covered upto max SI Covered upto max SI Covered upto max SI
Room Rent Charges
Room Rent covered for Shared accomodation Room Rent covered for Shared accomodation + Single Private Rooms
10% co-pay is applicable in case the insured opts for a higher room category in case the plan opted is for shared accommodation
No restrictions
Ambulance Charges (per policy period)
upto ₹ 1,000 per hospitalisation upto ₹ 3,000 per hospitalisation upto ₹ 5,000 per hospitalisation
Air Ambulance (per policy period)
- - upto 5,00,000
Pre Hospitalisation Expenses incurred
upto 30 days upto 60 days upto 60 days
Post Hospitalisation Expenses incurred
upto 60 days upto 90 days upto 90 days
Delivery Charges (Normal)
- - 50,000 (60,000 for a girl child)
Deliver Charges (Caesarean)
- - 50,000 (60,000 for a girl child)
Waiting Period for Delivery
- - 48 months
Coverage for New Born Child
- - 10,000
First Year Vaccination Charges
- - 10,000 (15,000 for a girl child)
Outpatient (OPD) Dental Cover
- - 10,000 after completing two years of continous coverage
Daily Cash - per day limit for shared accomodation / accompanying and insured child
- Upto 0.25% of Sum insured max ₹2,000 each Upto 0.25% of Sum insured max ₹2,000each
Health Check Up
1% of Sum Insured subject to 3 claims free years upto ₹10,000 1% of Sum Insured subject to 3 claims free years upto ₹10,000 1% of Sum Insured every year upto ₹10,000
Restoration Benefit after exhaustation of Sum Insured (once during policy period)
upto Sum Insured upto Sum Insured upto Sum Insured
Bariatric Surgery(per policy period)
- Covered Covered
Accidental Death
- - Fixed amount of 100% SI
Day Care Procedures
541 listed procedures covered 541 listed procedures covered 541 listed procedures covered
Organ Donor
upto Sum Insured upto Sum Insured upto Sum Insured
Domiciliary Treatment
upto Sum Insured upto Sum Insured upto Sum Insured
E Opinion for Critical Illness
- Included Included
Ayush Benefit
Covered Upto Sum Insured Covered Upto Sum Insured Covered Upto Sum Insured
Global Coverage for Treatment
- Covered upto max SI provided diagnosis was made in India Covered upto max SI provided diagnosis was made in India
Second Opinion
- Included Included
Vaccination Charges (NIL waiting)
- Covered for ₹ 5,000 for Anti Rabies and Typhoid Covered for ₹ 5,000 for Anti Rabies and Typhoid
Vaccination Charges (after waiting period of 2 years)
- Covered for ₹ 5,000 for HPV and Hepatitis B Covered for ₹ 5,000 for HPV and Hepatitis B
Inpatient Dental Treatment
- Included Included
Hearing Aid
- 50% of Actual or 10,000 every third year 50% of Actual or 10,000 every third year
Prolonged Hospitalisation Benefit
- - 1% of SI if continous hospitalisation is for more than 10 days
High End Diagnostics
- - Upto 25,000 per policy year
Outpatient Treatment
- - 5000 once for every two years
Compassionate Visit (Travel)
Upto 20,000 Upto 20,000 Upto 20,000
Cumulative Bonus
10% of Sum Insured (for every claim free year) upto 100% 10% of Sum Insured (for every claim free year) upto 100% 10% of Sum Insured (for every claim free year) upto 100%
Consummables Benefit
Included as per IRDAI 2016 guidelines Included as per IRDAI 2016 guidelines Included as per IRDAI 2016 guidelines
Accidental Death Benefit
- - 100% of Sum Insured
Additional Covers
Accidental Death Benefit
Coverage upto 100% of Sum Insured only for Primary Insured Coverage upto 100% of Sum Insured only for Primary Insured NA

Tata AIG Medicare Insurance coverage details (related to Sum Insured [SI] )

It is important to note that the Sum Insureds covered in the policy against the benefits listed below are over and above the primary / base sum insured.
For example, if an individual purchases a Medicare Premier Plan for a base sum insured of ₹15,00,000, then the Sum Insured for Health Check up (₹10,000), Vaccination Cover (₹5,000), Hearing Aid (₹10,000), Daily Cash for both accompanying a child and shared accommodation (₹4,000), Prolonged Hospitalisation (1% of SI, ₹1,500), High End Diagnostics (₹25,000), Emergency Air Ambulance Cover (₹5,00,000), Compassionate Travel (₹20,000) amounting to ₹5,75,500 is available to the insured taking the total coverage under the policy to be ₹20,75,500 for the policy year.
Tata AIG Medicare Protect Tata AIG Medicare Tata AIG Medicare Premier
Health Check Up
Over and above SI Over and above SI Over and above SI
Vaccination Cover
- Over and above SI Over and above SI
Hearing Aid
- Over and above SI Over and above SI
Daily Cash for accompanying an insured child
- Over and above SI Over and above SI
Prolonged Hospitalisation
- - Over and above SI
High End Diagnostics
- - Over and above SI
Outpatient (OPD) Treatment
- - Over and above SI
Outpatient (OPD) Treatment – Dental
- - Over and above SI
Emergency Air Ambulance Cover
- - Over and above SI
Compassionate Travel
Over and above SI Over and above SI Over and above SI
Daily Cash for shared accommodation
- Over and above SI Over and above SI

Discounts under Medicare Products

  • Family Floater
    • 20% for 2 members
    • 28% for 3 members
    • 32% for more than 3 members
  • Tenure
    • 5% for 2 years
    • 10% for 3 years
Plan (premium in ₹) Details
No of family Members (Ages 35, 33, 7) 3
Tenure 3
Sum Insured 10,00,000
Age of the Insured Individual Premium Year 1 Individual Premium Year 1 Individual Premium Year 1
35 12,000 15,000 15,000
33 10,000 13,500 13,500
7 7,500 7,500 7,500
Total Individual Premium 1,01,500
Family Floater Discount applicable 28%
Tenure Discount 10%
Net Premium Payable (exclusive of tax) 62,930
Please note that the discounts applied on applicable premium are as per the Medicare Product. The Premiums are for illustration purpose only…please obtain a quote from EIndia website with the exact applicable premiums.

Pre Policy Check Up (PPC) Grid
Age All Sum Insureds (₹2, 3, 4, 5, 7.5, 10, 15, 20, 25, 50 lacs)
91 days – 45 years Nil
46 years – 65 years Tele Medical Examination Report

Waiting Period Applicable under Medicare
Waiting Period Benefits / Plans
Initial Waiting Period 30 days All Benefits / All Plans
Specific Waiting Period 24 months Applicable to Specified Benefits under Respective Plans
Pre Existing Disease / Conditions 48 months Medicare Protect
36 months Medicare
36 months Medicare Premier

Description of key benefits under Tata AIG Medicare insurance

  • Pre and Post Hospitalisation The Medical Expenses incurred upto 60 days immediately before the Insured Person is hospitalized and those expenses incurred upto 90 days immediately after dischargepost Hospitalisation is covered.
  • In-patient Treatment The insurance company will cover expenses for hospitalization due to disease/illness/Injury during the policy period that requires an Insured Person’s admission in a hospital as an inpatient. Medical expenses directly related to the hospitalization would be payable.
  • Bariatric Surgery Cover The policycovers reasonable and customary expenses for Bariatric surgery if the insured fulfils conditions as listed in the policy
  • Sum Insured Restore Benefit If the Sum Insured including cumulative bonus is completely utilized during the policy period, an additional amount equivalent to the base Sum Insured will be restored once during the policy period and can also be used for admissions due to related illness/diseases after 45 days from the date of discharge of the earlier claim.This benefit cannot be carried forward to subsequent renewals.
  • High End DiagnosticsThe policy will pay the insured for the listed diagnostic tests on OPD basis if required as part of a treatment subject to Rs. 25,000 per policy year annually.
  • Emergency Air Ambulance Cover Coverage is available for ambulance transportation of the insured person in an airplane or helicopter subject to maximum of Rs. 500,000.
  • Maternity Cover Tata AIG will cover Maternity Expenses upto a maximum of Rs. 50,000/- (in case of birth of girl child cover would be for Rs.60,000) per policy through Normal or Caesarean births.
  • Consumables Benefit The policy pays for expenses incurred, for consumables which are listed in ‘Items for which optional cover may be offered by insurers’ under ‘Guidelines on Standardization in Health Insurance, 2016’, which are consumed during the period of hospitalization directly related to the insured’s medical or surgical treatment of illness/disease/injury.
  • Cumulative bonus Upto50% increase in cumulative bonus for is available for every claim free year. In the case a claim is made during the policy year, the cumulative bonus would reduce by upto 50% in the following year.
  • Day Care Procedures The policycovers expenses for listed 541 Day Care Treatments due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre.
  • Organ Donor The Medical and surgical Expenses of the organ donor for harvesting the organ where an insured person is the recipient is covered under the policy.
  • Domiciliary Treatment The Medical Expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation including pre and post expenses are covered.
  • AYUSH benefit Medical Expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy are covered.
  • Ambulance Cover For utilizing ambulance service for transporting insured person to hospital in case of an emergency is covered under the policy.
  • New Born Baby Cover The policy covers medical expenses incurred for the medically necessary treatment of the new born baby upto Rs.10, 000 for complications related to delivery. This benefit will trigger only in case where thereis an admitted maternity claim.
  • First year Vaccinations The policy will pay for vaccination expenses for up to one year after the birth of the child subject to a limit of ₹10,000/-(₹15,000/- limit in case of girl child) provided the child is covered with us. This benefit will trigger only in case where there is an admitted the maternity claim.
  • Health Check Up Expenses for a Preventive Health Check-up upto 1% of policy sum insured subject to a maximum of Rs. 10,000/- per policy is offered under the plans.
  • Second Opinion Tata AIG provides the insured with an option to seek a second opinion from Network Provider or Medical Practitioner, if an Insured Person is diagnosed with the mentioned Illnesses during the Policy Period.
  • Vaccination Cover The policy covers expenses related to the cost of the following vaccines:
    • Without any waiting period - Anti-rabies vaccine following an animal bite / Typhoid vaccination
    • After 2 years of continuous coverage - Human Papilloma Virus (HPV) vaccine / Hepatitis B Vaccine
  • Hearing Aid The policy offers coverage for reasonable charges for hearing aid every third year. The maximum payable is 50% of actual cost or Rs. 10,000/- per policy, whichever is lower.
  • Daily Cash For Choosing Shared Accommodation The policy pays for a fixed amount per day as mentioned in the policy schedule if the Insured Person is Hospitalized in Shared Accommodation in a Network Hospital for each continuous and completed period of 24 hours. The benefit payable per day would be 0.25% of base sum insured and max. ₹2,000 per day.
  • Daily Cash For Accompanying An Insured Child The policy also pay a fixed amount per day, as mentioned in the schedule, if the Insured Person Hospitalized is a child Aged 12 years or less, for one accompanying adult for each complete period of 24 hours. The benefit payable per day would be 0.25% of base sum insured and max ₹2,000 per day.
  • Prolonged Hospitalization Benefit The insurer will pay a fixed amount of 1% of sum insured, in the event of insured hospitalized for a disease/illness/injury for a continuous period exceeding 10 days.
  • High End Diagnostics Tata AIG will pay the insured for the following diagnostic tests on OPD basis if required as part of a treatment subject to Rs. 25,000 per policy year annually: a)Brain Perfusion imaging,b)CT guided Biopsy,c)CT Urography,d)Digital Subtraction Angiography (DSA), e)Liver Biopsy, f)Magnetic Resonance Cholangiography Scan, g) PET CT scans,h)PET MRI scans, i) Renogram
  • OPD Treatment Once the insured has completed two years of continuous coverage with us, the policy covers expenses related to consultations and pharmacy subject to ₹5,000 per policy year annually subject to policy terms and conditions.
  • OPD Treatment-Dental Once the insured has completed two years of continuous coverage with us, coverage is available for expenses related to the following dental treatments only subject to ₹10,000 per policy year annually for a)Root Canal Treatment (single or multiple sittings), b)Tooth extraction(s) and c)Filling
  • Compassionate Travel In the event the Insured Person is Hospitalized for more than Five consecutive days in a place where no adult member of his immediate family is present, coverage is available for expenses related to a round trip economy class air ticket, or firstclass railway ticket, to allow the Immediate Family Member be at his/her bedside for the duration of his stay in the hospital. The expenses must be incurred within India and shall not exceed ₹20,000 during a policy year.
  • Accidental Death Benefit If an Insured Person suffers an accident during the policy period and this is the sole and direct cause of his death within 365 days from the date of accident, then the policy pays a fixed amount of 100% of the base Sum Insured.

Exclusions under the Medicare Health product

The following are the key Medical and Non Medical Exclusions under Tata AIG’s Medicare Plans. Please go through the Terms and Conditions of the policy for the complete list of the exclusions:

Medical Exclusions
  • "AIDS" (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in brain, Kaposi’s sarcoma, tuberculosis.
  • The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies.
  • Treatment of Obesity and any weight control program subject to cover under benefit bariatric surgery.
  • Psychiatric, mental disorders (including mental health treatments); Parkinsons and Alzheimer’s disease;
  • Congenital external diseases, defects or anomalies;
  • Stem cell implantation or surgery; or growth hormone therapy;
  • Sleep-apnea
  • Charges related to peritoneal dialysis (CAPD), including supplies
  • Admission primarily for diagnostic and evaluation purposes only.
  • Venereal disease, sexually transmitted disease or illness;
  • Sterility, treatment whether to effect or to treat infertility; any fertility, sub-fertility or assisted conception procedure; surrogate or vicarious pregnancy; birth control, contraceptive supplies or services including complications arising due to supplying services.
  • Laser treatment for correction of eye due to refractive error;
  • Aesthetic or change-of-life treatments of any description such as sex transformation operations, treatments to do or undo changes in appearance or carried out in childhood or at any other times driven by cultural habits, fashion or the like or any procedures which improve physical appearance.
  • Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an Accident, Cancer or Burns.
  • All preventive care, vaccination including inoculation and immunisations (except in case of post- bite treatment and other vaccines explicitly covered);
Non-Medical Exclusions
  • War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, ionising radiation.
  • Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
  • Intentional self-injury or attempted suicide while sane or insane.
  • Charges incurred at a Hospital primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, for which confinement is required at a Hospital.
  • Items of personal comfort and convenience like television (wherever specifically charged for), charges for access to telephone and telephone calls, internet, foodstuffs (except patient’s diet), cosmetics, hygiene articles, body care products and bath additive, barber or beauty service, guest service as well as similar incidental services and supplies.
  • Doctor’s fees charged by the Medical Practitioner sharing the same residence as an Insured Person or who is an immediate relative of an Insured Person's family.
  • Provision or fitting of hearing aids, spectacles or contact lenses including optometric therapy unless explicitly stated and covered in the policy.
  • Any treatment and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
  • Crutches or any other external appliance and/or device used for diagnosis or treatment (except when used intra-operatively and explicitly stated and covered in the policy).
  • Any claim incurred after date of proposal and before issuance of policy where there is change in health status of the member and the same is not communicated to us.
  • All expenses incurred by the Policyholder/ Insured Person at the Hospital or any institution about which the Company has expressly notified that the Claim incurred at such Hospital/institution shall not be payable (except reimbursement claims related to accidents and life threatening conditions). The updated list of such Hospitals can be obtained through the Company's website or Call Center.

Tata AIG health insurance claims

Claim Related Information:

For any claim related query, intimation of claim and submission of claim related documents, you can contact Your TPA through:
  • Name of TPA : Family Health Plan Insurance TPA Ltd (FHPL)
  • Website : www.fhpl.net
  • Email
  • Toll Free
    • 1800-425-4033
    • 040- 23552899 (for Senior Citizens)
  • Fax : +91-40-23541400
  • Submit claim
    • Claims Department, Family Health Plan Insurance (TPA) Ltd, Srinilaya – Cyber Spazio Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad, 500 034.

Procedure for Reimbursement of Medical Expenses

  • The TPA (Third Party Administrator) must be informed no later than 7 days of completion of such treatment, consultation or procedure using the Claim Intimation Form.
  • Please send the duly signed claim form and all the information/documents mentioned therein to your designated TPA within 15 days of the occurrence of the Incident. Please refer to claim form for complete documentation.
  • If there is any deficiency in the documents/information submitted by the insured, the TPA will send the deficiency letter within 7 days of receipt of the claim documents.
  • On receipt of the complete set of claim documents, Tata AIG will send the payment for the admissible amount, along with a settlement statement within 30 days.
  • The payment will be sent in the name of the proposer.
(Note: Payment will only be made for items covered under your policy and upto the limits therein.)

Procedure to avail Cashless Treatment

  • For any emergency Hospitalisation, the designated TPA must be informed no later than 24 hours after hospitalization.
  • For any planned hospitalization, kindly seek cashless authorization from the designated TPA atleast 48 hours prior to the hospitalization.
  • TPA will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiency in the documents sent, the same shall be communicated to the hospital within 6 hours of receipt of documents.
  • Please pay the non-medical and expenses not covered to the hospital prior to the discharge.
  • In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours.
(Note: n Insured person is entitled for cashless coverage only in our empanelled hospitals.)

Grievance Redressal Procedure

Tata AIG is committed to extend the best possible services to the insured. However, if you are not satisfied with our services and wish to lodge a complaint, please call our 24X7 Toll free number 1800266-7780 or 022-66939500 (toll number) or 1800 22 9966 (For Senior Citizens) or you may email to the customer service desk at customersupport@tataaig.com.
After examining the issue and subsequent closure, Tata AIG will send our response within 10 days from the date of receipt of the complaint by them. In case the resolution is likely to take a longer time, we will inform you of the same through an interim reply.
Escalation Level 1
In case you do not receive a resolution within 10 days or if the resolution still does not meet your expectations, you can write to manager.customersupport@tataaig.com . After analysing the matter internally and subsequent closure, we will send our response within a period of 8 days from the date of receipt at this email id.
Escalation Level 2
In case you do not receive a resolution within 8 days or if the resolution still does not meet your expectations, you can write to Head - Customer Services at head.customerservices@tataaig.com . After examining the matter, we will send you our final response within 7 days from the date of receipt of your complaint on this email id.

Tata AIG Health Insurance FAQ’s

What does Tata AIG Health Insurance cover?

Health Insurance is an insurance plan that provides coverage against medical expenses, following an accident or sickness to the insured and his/her family members. It also covers expenses incurred by the insured before and after hospitalisation under the pre and post hospitalisation coverage. Some of the other features include treatment for Day Care procedures, Maternity, Organ Donation, AYUSH treatment etc.

If one has a life insurance cover, do they still need Health Insurance?

Firstly Life insurance and Health Insurance are two different policies offering two different types of coverage. Most importantly, Life insurance covers the unfortunate mortality of the life assured but will not pay for medical expenses incurred by the individual if this hospitalisation occurred prior to his/her demise. Secondly Life insurance can also be used as an investment which provides both investment returns and life cover, whereas Health Insurance provides only coverage for medical treatment. It is strongly recommended that every individual has both policies, since they are complimentary in nature.

What is pre and post hospitalisation medical expenses? Does Tata AIG health insurance policy cover these expenses?

Pre hospitalisation expense is as a result of tests, medication that would have to be undertaken prior to the hospitalisation for the treatment. Similarly, post hospitalisation expenses can be for recovery and medicines that need to be taken post the hospitalisation treatment. Pre and post hospitalisation are normally covered for 60 and 90 days respectively.
  • On the advice of a physician, one gets themselves tested for symptoms etc before being hospitalised for further treatment of the illness. These medical expenses incurred before hospitalisation are called Pre hospitalisation expenses
  • Post hospitalisation expenses include all expenses or charges incurred by the insured after they are discharged from the hospital. For example, the consulting physician may prescribe certain tests to ascertain your progress or recovery after surgery.

What are the waiting periods under the Tata AIG Health insurance plan for Pre Existing Conditions?

Pre-existing diseases are those which the insured already carries before purchasing a health insurance policy. The proposer must declare any pre-existing disease/condition at the time of buying a medical insurance plan. One of the key factors to keep in mind is that the pre-existing diseases have a waiting period (which differs from company to company) and in the case of Tata AIG, it varies from 24 months to 48 months depending on the pplan opted for. Post this waiting period, one can be sure that they will be eligible to avail full benefits of your medical insurance policy.


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025