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10,000+ Cashless Hospitals
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Covid-19 Cover
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96.70% Claim Settlement Ratio
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No Pre-Policy Medical Checkup

Tata AIG MediCare Health Insurance

Let’s protect your health and wealth!

Medical emergencies do not announce themselves before showing up. No matter how careful you are and how healthy you try to be, it’s likely that you will face a health emergency at some point in your life. Apart from the actual, physical issue, a medical emergency could leave you with mental and financial stress as well. That’s precisely why having a health insurance plan is so essential.

With Tata AIG’s MediCare health insurance policy, you won’t have to worry about the high medical costs associated with getting quality treatment. Our policy will help look after you not just when you’re hospitalised, but for treatments required before and after a hospital stay as well. If you happen to test positive for COVID-19, don’t worry.

Our health insurance policy will help take care of the cost of COVID-19 treatment too .


We Also Understand That Each Individual Is Unique That’s Why We Offer Three Health Insurance Policy Variants:


Tata AIG MediCare

This pocket-friendly policy offers you all the benefits you need to deal with medical emergencies that come your way. TATA AIG MediCare offers benefits such as global cover and cover for bariatric surgery as well! Depending on your needs, you can select your sum insured. We offer amounts as low as INR 3 lakhs and as high as INR 20 lakhs under the TATA AIG Medicare health insurance plan. TATA AIG MediCare comes with Teleconsultation Service & Ambulance Booking Facility.


Tata AIG Medicare Premier

If you’re looking for enhanced, all-rounded safety, TATA AIG MediCare Premier is the right option for you. Along with all the cover offered by our MediCare plan, this health insurance policy also provides cover for Home Care Treatment, Global Cover for Planned Hospitalization, High-end Diagnostics, OPD Treatment, Emergency Air Ambulance and more! The sum insured options offered for TATA AIG MediCare Premier can be as low as INR 5 lakhs or as high as INR 3 Crore.

Tata AIG MediCare Premier comes with Wellness Program and Wellness Services. Click here to know more and start your health & reward journey.

You can activate these benefits by downloading Tata AIG app and register yourself using your mobile number.” To know more click here


Tata AIG Medicare Protect

TATA AIG MediCare Protect is the ideal plan for those concerned about the costs attached with a stay at the hospital. This health insurance policy covers pre- and post-hospitalisation expenses, allowing you to focus on getting better instead of stressing about hospital bills.


Tata AIG MediCare LITE

Ensuring the safety of your loved ones at the time of health and medical uncertainties is a crucial responsibility. However, this duty should not translate into a financial burden . Medicare Lite is a budget friendly plan, designed to get comprehensive treatment for all your health needs in Our network of “Valued Provider - Pan India”.

Why Do I Need Health Insurance?

In December 2018, a study showed that just 44% of Indians had health insurance. This means that over half the population lives without any kind of medical insurance. If you haven’t purchased a health insurance policy yet, here’s a look at all the reasons why you absolutely need to have medical insurance:


Changing Lifestyles

The world around us is constantly changing. Today we face rising levels of pollution and hectic work schedules, both of which make us prone to several health issues. A good health insurance policy will help you take care of yourself without breaking the bank.


Rising Medical Cost

If you’ve been visiting the doctor regularly over the years, you may have noticed that the costs of medical treatments and check-ups have gone up. The easiest way to keep up with inflated healthcare costs is by getting yourself a good medical insurance policy while you’re still young and in the best of health.


COVID-19 Cover

The recent pandemic showed us just how important having good health insurance is. When you have a great medical insurance policy, you can rest easy knowing that you’ll be taken care of even if you were to be diagnosed with COVID-19.


Tax Benefits

It may seem frivolous, but one great reason to get a health insurance policy is due to the health insurance tax benefits. Premiums that you pay to maintain a TATA AIG health insurance policy are exempt from taxes under Section 80D of the Income Tax Act. If you’ve bought a health insurance plan for yourself, your spouse or your kids, you can claim up to INR 25,000 per year. If you’ve bought a medical insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year. #Please note tax benefits are subject to change in Income Tax laws.

Advantages Of Tata AIG Health Insurance


We Have A Wide-Reaching Network

Cashless claims with Tata AIG’s health insurance policy is easy. We have tied up with over 8,000+ hospitals across India, so no matter where you are, you’ll have a network hospital close by. In the unlikely possibility that you’re unable to get to one of our network hospitals, you don’t need to break a sweat. You can go across to any trusted healthcare facility and get the treatment you need.


Save On Taxes

When you purchase medical insurance, the premium that you pay can be deducted from your taxable income under Section 80D of the Income Tax Act, 1961. For insured individuals below the age of 60, you can claim a maximum deduction of INR 25,000. If you’ve purchased a policy for a parent above the age of 60, you can claim an additional deduction of INR 50,000.Please note tax benefits are subject to change in Income Tax laws.Please note tax benefits are subject to change in Income Tax laws. #Please note tax benefits are subject to change in Income Tax laws.


Paperless Policies

We live in a digital and fast-paced world, so we understand the need to have all your documents on-the-go. As soon as your health insurance policy is issued, we’ll send you a soft copy. You can show the TPA the digital copy at the hospital and we’ll get your health insurance claims process started. You don’t have to carry around a paper or card to prove you’ve bought our health insurance policy!


A TATA Promise

Our health insurance policies come with the 150-year legacy and trust of TATA. As an insurance company, we’ve been keeping our promise of looking after you, your health and your finances for over 20 years! When we commit to something, we stick to it.


Safe And Secure

We value your privacy and data. Our website is a safe place for you to input your details and complete health insurance premium payments. We promise to keep your personal and payment data 100% secure at all times. Check our health Insurance premium calculator to know your health Insurance premium


High Claim Settlement Ratio

Before you buy or renew your health insurance policy, we’re sure you’d like to know how likely you are to get your settlement if you raise a valid claim. Well, we’re proud of our stats. In FY23-24, we settled 96.70% of all health insurance claims that came our way.


Round the Clock Assistance

We’ve made it our mission to anticipate your every need. We put your priorities above ours, always, and work to exceed your every expectation. We offer 24x7 customer assistance, so even if you call us in the middle of the night with an emergency, we’ll be there for you!

What Our Customers Are Saying

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Average Rating 4.5/5 (Based On 525 Ratings)
Anil Dafale

Very good. keep growing .Best of luck tata group and company's.

Divya Pathak

Very Good , Hassle free web page.

Manjula Sriram

This website is amazing. Neat and clutter free...What a delightful user experience...loved it...Kudos to the Tata AIG team and the website developer too!

Vanraj Dubey

Their customer service executives really helped me with the requirements for claim filing and were very patient with me.

Allur Midhunkumarsingh

Very nice, big 👌 thumps up to entire who ever involved to build this platform.

Muralianand SV

Very easy

Bhavesh h. Parekh

Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us.

Read All Reviews

Finding the Right Health Insurance Plans

Not every health insurance plan offers the same cover. Have a look at what each of TATA AIG’s MediCare plans offers below so you can pick the one that’s right for you!

Medicare Protect
Medicare Premier
Medicare Protect

Discount Metrics

More Members + Long Tenure = Greater Discount
Policy Types
Family Floater
Policy Tenure

Factors to Check While Comparing Health Insurance Plans

Buying a medical insurance policy isn’t child’s play. We’re sure you’ve spent hours looking for the perfect health insurance policy online. To help you make your decision, here’s a look at some important factors you should consider while picking the best health insurance plan for your needs, For a more comprehensive understanding, check our guide to compare health Insurance.

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The Sum Insured

Medical treatments are becoming more expensive by the day. You’ll want to find yourself a health insurance policy that offers high cover without burning a hole in your pocket.

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Waiting Periods

Each health insurance policy will outline a few separate waiting periods. The first is the initial waiting period. This is the time you must wait before making a non-accidental claim after purchasing the health insurance policy. The second is a waiting period for pre-existing diseases. This can range from anywhere between 2 to 5 years. Depending on whether you have a pre-existing illness or not, you’ll want to weigh your options. The third waiting period is for specific illnesses. Some health issues such as hernia or ENT disorders will only be covered after a few years of cover. Generally, the waiting period for these issues is 2 years. The final waiting period is for maternity cover. Most health insurance policies will cover maternity expenses only after a few years. If you’re planning on growing your family, you’ll want to take this into consideration.

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Age Limits

Some health insurance policies have a cap on the maximum age an individual can be to enjoy cover. You should check whether you can enjoy life-long renewals under your medical insurance policy before making a decision.

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Network Hospitals

If you’d like to enjoy the convenience of cashless claims, you should check the list of network hospitals that your preferred medical insurance provider has tied up with. Check if your preferred hospital is on the list.

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The Add-ons and Riders Available

To ensure you have the best possible protection, you may want to purchase a few add-ons or riders along with your medical insurance policy. An add-on offers additional cover for a small cost, which is added to your total premium. Look for add-ons that suit your health requirements.

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The Claim Settlement Ratio

Another important thing you need to check before you purchase or renew your medical insurance policy is the insurance provider’s claim settlement ratio. The ratio will tell you how many claims they have settled out of the total number of claim requests they received. At TATA AIG, we're committed to keeping our promise of looking after you, your health and your finances. In FY19-20, we settled 96.21% of the health insurance claims that came our way.

How Can I Make a Health Insurance Claim?

If you’ve received treatment at a network hospital
In case you have to visit the hospital for emergency treatment
If you’re unable to make it to a network hospital
If you’ve received treatment at a network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

How Can I Make a Health Insurance Claim?

If you’ve received treatment at a network hospital

  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

In case you have to visit the hospital for emergency treatment

  1. Inform the hospital or call us to let us know you need emergency treatment at a network hospital.
  2. Give us and the hospital TPA your policy number.
  3. We’ll work on getting your claim worked out ASAP.

If you’re unable to make it to a network hospital

With TATA AIG health insurance plans, you now get cashless claims in any network and non-network hospitals* near you in just 3 easy steps.

#GoCashless In 3 Easy Steps Step 1: Send an SMS - "GoCashless” “” “" to 7669300780. Step2: Talk to an expert Step 3: Get cashless anywhere*

**Cashless facility cannot be extended to hospitals listed in the excluded providers published on the TATA AIG website. Furthermore, cashless services are not available for healthcare facilities that do not meet the minimum eligibility criteria set forth by IRDAI. TATA AIG reserves the right to exercise its own discretion in making the final decision.

Frequently Asked Questions

Policy Related

Service Related

Is the health insurance policy valid across the country?

Yes! You can enjoy the same cover no matter where you are in India. We’ve tied up with over 10,000+ hospitals across the country, so you can enjoy cashless claims even when you’re out of town.

Will I be covered outside the country?

Our regular TATA AIG health insurance plan doesn’t offer cover outside India. However, we do have an optional Global Cover rider that you can add to your policy. This will cover you for treatments outside India as well.

What happens if I forget to renew my policy on time?

Ideally, you should pay the premium to renew your policy before the end of your existing policy term. If you’ve forgotten to do so, don’t worry, we’ll give you a 30-day grace period during which you can clear the payment. Once we receive the payment, we’ll continue to provide cover. If you don’t clear the amount within the grace period, you will have to apply for a new policy and risk losing out your continuity and waiting period benefits.

How can I get cover for bariatric surgery?

We will help cover the reasonable and customer expenses incurred for a bariatric surgery as long as you meet the following conditions: i. Your doctor advises you to have the surgery ii. You are at least 18 years old iii. Your BMI is 40 or more OR you have a BMI of 35 or more and also a co-morbidity like obesity-related cardiomyopathy, coronary heart disease, severe sleep apnoea, or uncontrolled Type 2 diabetes and cannot follow other, non-invasive weight-loss methods.

Does your policy offer cover for any other vaccinations?

Yes, we’ll help cover the cost for vaccinations related to rabies or typhoid as soon as the policy cover starts. We’ll also help cover the cost of vaccinations for HPV and Hepatitis B after a 2-year waiting period.

How does ‘First year Vaccinations’ works under TATA AIG Medicare Premiere? When does my new born child becomes eligible for claim under this benefit?

After 91 days of birth, once your child gets added in the policy, he/she becomes eligible to avail the ‘First year Vaccinations’ benefit under TATA AIG MediCare Premier. The cover is available only till the completion of first year of his/ her birth. Please note that the cover is applicable only if the expenses related to maternity is admissible under ‘Maternity Cover’ of this policy. Vaccination expenses are covered subject to a limit of Rs. 10,000/- (Rs.15,000/- in case of girl child). The limit of Rs.10,000 (Rs.15,000 in case of girl child) is a lifetime limit and not a policy limit which will be applicable for each child, subject to exclusion and other terms and conditions.

For better understanding, please refer the below illustration*:

Policy Start dateBirth date of the childChild added in the policy onEligible for ‘First year Vaccinations’ start dateEligible for ‘First year Vaccinations’ up to
1-Jan-2415 July 2430 Oct 2430 Oct 24 (provided expenses related to maternity is admissible under ‘Maternity Cover’ of this policy)14 July 25 (subject to renewal of the policy)

What is the cumulative bonus and how do I get it?

A cumulative bonus is a reward that we offer for every year that you do not make a claim. We’ll increase the sum insured by 50% for every claim-free year, up to a maximum of 100% of the original sum insured.

Can I cover my family under a single policy?

If you’d like to cover multiple people under a single policy, you can opt for our [family health insurance]( option.

Is a medical check-up necessary to purchase health insurance?

A medical check-up is only required in certain circumstances. For the most part, you will be able to purchase your health insurance policy online without worrying about any tests or visits to the doctor. If we need some more information before issuing your health insurance policy, a tele-underwriter will get in touch with you. In some instances, we may require you to do a few tests before we issue you a policy.

Will I have to undergo a medical check-up every year?

Generally, if you renew your health insurance policy on time every year and there’s no break in your cover, we will not require you to take a check-up every year. But, we may take a call based on your medical history and your age.

Does TATA AIG offer cashless claims?

We have tied up with over 7,200+ network hospitals across India. When you get a covered treatment at a network hospital, you can enjoy going completely cashless!

What documents do I need to provide while making a health insurance claim?

If you’re making a cashless claim, we don’t need too many documents. But, for reimbursement claims, we would require all your medical invoices along with the claim form.

Does TATA AIG offer 24x7customer support?

Yes, at TATA AIG, we’re committed to looking after you and your needs. Our health insurance customer service executives are available round the clock. To get in touch, you can call 1 800 266 7780.

Can I make a claim if I am hospitalised for less than 24 hours?

Many treatments today can be completed within just a few hours. Our health insurance plans cover more than 540 daycare procedures. This means that you can make claims against covered daycare procedures even if you do not have to be hospitalised for more than 24 hours.

Did Not Find What You Were Looking For?

Understanding Health Insurance Terms

  • Arthritis Pain, swelling and stiffness in the joints caused by an inflammation of the joints. Can be limited to a single joint or affect multiple joints.
  • Autoimmune Diseases A disease that causes the body’s immune system to attack healthy cells. Over time, this can lead to very low or no activity from the immune system, decreasing the body’s ability to fight invaders, making the individual vulnerable to infections. Autoimmune diseases include rheumatic heart disease, rheumatoid arthritis, and Systemic Lupus Erythematosus (SLE).
  • Cancer Disease that causes abnormal cells to grow uncontrollably, destroying body tissue.
  • Chest Pain/Heart Disease Typically caused by a blockage in the blood vessels leading to the heart. It can also be caused by medical conditions affecting any of the organs in the upper abdomen, including the heart, blood vessels, lung, airways, bones, muscles, oesophagus, or stomach. Common examples include heart attack, bypass surgery, angina, and heart-valve-related issues.
  • Co-Payment If you’d like to lower your health insurance premium, you can opt for co-payment. You can promise to pay a certain percentage of each claim you make against your medical insurance policy, and your insurance provider will take care of the rest. If you’d like your insurance provider to settle the full claim, you can opt-out of co-payment.
  • COPD Known as Chronic Obstructive Pulmonary Diseases (COPD), this on-going inflammatory lung disease causes obstructions in the airflow, making it difficult to breathe.
  • HIV/AIDS HIV is a virus that damages the body’s immune system, which often allows people to develop AIDs, a more advanced stage of HIV.
  • Kidney Failure/Dialysis Often, kidneys fail due to very high blood pressure or diabetes. This means the individual could require a kidney transplant or dialysis, which removes waste and extra fluid from your blood.
  • Liver Cirrhosis/Hepatitis B or C An infection of the liver, it can cause scarring on the organ which could lead to liver failure and cancer. Hepatitis and chronic alcohol abuse frequently cause liver scarring, which leads to cirrhosis or fibrosis of the liver – an advanced stage of scarring.
  • Pre-Existing Disease If the individual purchasing insurance already suffers from any disease, it is called a pre-existing disease. The individual can purchase their medical insurance policy, but the pre-existing disease will only be covered after a given waiting period.
  • Psychiatric/Mental Illness or Disorder Mental illnesses are health conditions that involve changes in emotion, thinking or behaviour. They are often associated with distress and/or problems functioning in everyday society. These issues can cause mild disturbances to a severe inability to cope. Some common examples of mental disorders include depression, bipolar disorder and schizophrenia.
  • Stroke, Epilepsy and Paralysis Stroke refers to damage to the brain that is often caused by an interruption of the blood supply. Epilepsy is a disorder in which the nerve cells in the brain misfire, causing seizures or convulsions through the body. Paralysis refers to the loss of the ability to move or sense in some parts of the body.
  • Sum Insured Your sum insured refers to the maximum amount that your insurance provider will pay in a given policy year. It basically reflects the total value of your policy. You can choose your sum insured when you purchase your health insurance policy. But, you should remember that the amount you choose will directly impact your premium.
  • Ulcerative Colitis/Crohn’s Disease A chronic, inflammatory bowel disease that causes irritation or swelling, known as inflammation, in the digestive tract, typically the large intestine or colon. If untreated, it could lead to sores, commonly known as ulcers, in the lining.
  • Waiting Period The waiting period is a specific amount of time during which insured individuals cannot make certain claims against their health insurance policies. For example, they cannot make non-emergency claims for the first few days or month. Or, they will not be able to make a claim for the treatment of a pre-existing illness for the first couple of years.
  • Tata AIG MediCare (TATHLIP23118V032223) Tata AIG MediCare Premier(TATHLIP23167V032223) Tata AIG MediCare Protect(TATHLIP21225V022021) Tata AIG MediCare LITE (TATHLIP24132V012324)