Tata Aig Medicare Premier Plan
Tata AIG
Highlighted Features
No Room Rent Limit
Policyholders can choose any hospital room, including ICU, with no restrictions on charges.
Day Care Treatments Covered
Covers cataract surgery, dialysis, chemotherapy, and minor surgeries requiring less than 24-hour hospitalization for cost-effective treatment.
Brochure
Policy Wording
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Our Verdict
The Tata AIG MediCare Premier offers extensive global coverage, including emergency air ambulance and home care, with no room rent restrictions. Ideal for individuals seeking comprehensive, high-quality medical care without co-payments.
About the Plan
The Tata AIG MediCare Premier is a comprehensive health insurance plan offering extensive coverage with sum insured options ranging from ₹5 lakh to ₹3 crore. citeturn0search0 It includes benefits such as global coverage for planned hospitalization, emergency air ambulance services, high-end diagnostics, OPD treatment, and home care treatment. citeturn0search0 The policy also features a wellness program and services, along with a 100% restoration benefit of the sum insured upon exhaustion. citeturn0search9 Additionally, there are no room rent restrictions or co-payments, ensuring policyholders receive premium medical care across a network of over 8,000 hospitals nationwide.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Advanced Treatments
Covers modern medical procedures, including, Robotic surgeries and Stem cell therapy up to the sum insured.
Co-payment
No co-payment required; the insurer covers the full admissible claim amount.
Waiting Periods
Pre-existing Diseases: Covered after a 36-month waiting period.
Specific Diseases & Treatments: Certain conditions have a 24-month waiting period.
Initial Waiting Period: A 30-day waiting period applies for non-accident-related hospitalizations
Cashless Healthcare Providers
Access to over 8,000 network hospitals across India for cashless treatment.
Day Care Treatments
Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.
AYUSH Treatment
Exclusions
Pre-existing diseases are covered only after a 24-month waiting period.
Specific listed illnesses and treatments have a 24-month waiting period before coverage begins.
There is a 30-day initial waiting period for non-accident-related claims.
Injuries resulting from self-harm or suicide attempts are not covered.
Medical conditions caused by alcohol or drug abuse are excluded.
Cosmetic procedures for aesthetic purposes are not covered unless necessary due to an accident.
Injuries or illnesses due to war, civil unrest, or terrorism are excluded.
Unrecognized or experimental treatments not approved by medical authorities are not covered.
Exclusions
Hearing Aid Coverage - Reimbursement of 50% of actual costs, up to ₹10,000 per policy.
Daily Cash for Shared Accommodation - Provides 0.25% of the base sum insured, up to ₹2,000 per day, when opting for shared hospital rooms.
Add-ons
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About the Company
Tata AIG General Insurance Company Limited is a prominent insurance provider in India, established as a joint venture between the Tata Group and the American International Group (AIG).The company offers a diverse range of general insurance products, including motor, health, travel, and home insurance, catering to both individual and business needs. With a mission to create better tomorrows for customers, Tata AIG focuses on providing trustworthy and innovative risk solutions, backed by professional expertise and exceptional service capabilities
Amit Ganorkar is the CEO and MD of Tata AIG General Insurance. With over 20 years of experience in the insurance sector, he focuses on customer-centric solutions and digital transformation strategies.
About the Company
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