TATA AIG MediCare Select: Your Own Customisable Health Insurance Plan
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About MediCare Select
Why choose Medicare Select?
How it works?
Key features
Who needs ?
How to buy?
Discounts
What makes it special?
Inclusions/Exclusions
Available riders
Reviews
Claims
Cashless claims
Reimbursement claims
Documents required
Network hospitals
FAQs
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TATA AIG MediCare Select
In today’s fast-paced world, where lifestyles and healthcare needs are constantly evolving, a one-size-fits-all approach to health insurance may not be the right solution. What works for a young professional may not suit a family of four or a senior citizen.
That’s where TATA AIG’s customisable health insurance plan comes in. Our MediCare Select plan offers flexibility and control, allowing you to design a policy tailored to your needs so you can truly call it “My Health Insurance”.
Our customer-centric approach ensures that your health insurance coverage aligns with your age, lifestyle and health. This flexibility makes MediCare Select a smart choice for you and your family.
Why Choose TATA AIG MediCare Select?
How Does TATA AIG MediCare Select Work?
Our MediCare Select policy works like any other health insurance policy, where once you buy the plan and coverage is activated, you are free to claim medical coverage. The only difference here is that with the MediCare Select, you can customise your health insurance.
This means you can choose the coverage amount, plan duration, the base coverage you want, and the additional coverage as well. Imagine being able to tweak your health insurance when a major life event happens or when your financial situation changes. That’s what you get with TATA AIG’s MediCare Select.
Let Us Consider A Quick Example
Ms Seema, a 33-year-old software engineer living in Bangalore, suffers from PCOD but lives a healthy lifestyle overall. However, healthcare costs are high in Bangalore, and she also plans on having children in the future. Our TATA AIG MediCare Policy is a good choice for Seema because it can –
Offer higher sum insured options, a restoration benefit (restores the sum insured unlimited times) and a rider for women’s health that can cover her PCOD treatments.
It will also allow her to modify her plan in the future by adding a maternity cover, or even convert her policy to a family floater plan.
In contrast, if she bought a more basic plan with a set coverage framework, she would have needed to buy a new policy later in life. This would have cost her more money.
Key Features of TATA AIG MediCare Select
| Key Features | Details |
|---|---|
| Plan type | Individual and Family Floater Plans |
| Sum Insured Options | ₹5 lakhs - ₹3 Crores |
| Discounts | Up to 25% |
| Policy Duration | 1, 2 and 3-Year Options |
| Lifelong Renewal | Available |
| Pre- and Post-Hospitalisation | 90 Days Before and After Hospitalisation |
| Maternity Cover | 10% of the Sum Insured (OR) ₹1,00,000 Per Policy Year + Option to Reduce Waiting Period to 1 Year |
| Daily Cash Benefit | Available |
| Consumables Benefit | Available |
| Restore Infinity Plus | Unlimited Restoration of the Sum Insured + Cumulative Bonus (if accrued) |
| Cumulative Bonus | 50% to 100% on the previous year’s remaining sum insured + 1% discount on renewal premium |
| Add-Ons and Riders | Over 7 Add-ons & Riders |
| Network of Hospitals | Over 12,000 Hospitals Across India |
| Tax Benefits | Available under Section 80D (Old Regime) |
*TATA AIG MediCare Select UIN: TATHLIP25051V012425. Policy benefits and coverage are subject to change. Please refer to your policy document or contact us for any queries.
Who Needs Personalised Health Insurance?
Everyone needs a custom health insurance plan. Medical emergencies can happen to anyone, and a basic plan can have you paying for coverage you may not even need. With customisable health insurance, you pay only for the coverage you choose and get exactly what you need.
Young and Healthy Individuals
Self Employed Individuals
Young Families and Newlyweds
People with Chronic Conditions
Senior Citizens
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How to Buy TATA AIG MediCare Select?
1
Visit our Website
Go to TATA AIG. Under the “Personal” tab, click on “TATA AIG MediCare Select” in the Health Insurance section. You can also use the calculator at the top of this page.
2
Enter your Details
Specify whether you are purchasing the policy for yourself or others and enter your contact details when required. Click on “Get Plan”.
3
Choose Your Coverage
Choose the sum insured, policy tenure and the medical coverage options that best suit your specific healthcare needs.
4
Select Your Add-Ons
Next, choose the add-ons or riders you want to add. These cost extra, so only choose what you need.
5
Pay and Get Your Policy
Pay the applicable premium online, and we will send your MediCare Select policy document directly to your email.
Also Read
How to Renew Health Insurance? MediCare Select Discount Metrics
| Discounts on Personalised Health Plan | Detail |
|---|---|
| Long-Term Discount (Only for ‘single’ premium payment mode) | - 2-Year Policy: 5% - 3-Year Policy: 7.5% |
| Multi-Individual Discount (When more than one member is covered under an individual health insurance plan) | 5% |
| Professional Discount (For salaried individuals) | 7.5% |
| Family Floater Discount | - 2 members: 22% - 3 members: No child - 22%; 1 child - 28% - 3+ members: No child - 22%; Minimum 1 child - 28%; Minimum 2 children - 32% |
| Young Family Discount (When all the insured members are under 40 years of age when buying the plan) | 10% (effective from the 1st year and continues for a lifetime) |
| Discount in Exchange for Commission (Applies to direct online purchases instead of purchases via agents or brokers) | Up to 15% |
| Favourable Experience Discount | 20% at the time of purchase and subject to change at renewals |
Please note: Discounts other than Long Term, Family Floater, Multi-Individual, Favourable Experience and Discount in Renewal Premium (No Claim Bonus) are subject to a maximum cap of 25%.
What Makes TATA AIG MediCare Select Special?
Early Access for Multi-Year Policies
Access your full sum insured after a one-time premium payment (paid in full) under multi-year policy options. For example, with a 3-year plan featuring a base sum insured of ₹20 lakhs per year, you gain access to the full ₹60 lakhs with Early Access.
Restore Infinity Plus + Infinite Advantage
Get full coverage for a single claim during the lifetime of your policy. You also get automatic restoration of your base sum insured when it gets fully utilised during the policy year.
Daily Cash Advantage + Room Select
Get the choice to select a private hospital room. For those opting for shared accommodation, you can receive daily cash of up to ₹1,500 per day, over and above your sum insured.
Aggregate Deductible + Optional Co-Payments
Get a discount on your premiums by paying an optional deductible or co-payment on claims filed under your policy.
Please Note: Riders are available at an additional cost and are subject to specific policy terms and conditions.
TATA AIG MediCare Select Inclusions/Exclusion
TATA AIG MediCare Select Inclusions
In-Patient Treatment - Covers hospitalisation expenses, including nursing charges and hospital stays, for treating an illness or an injury that requires more than 24 hours of hospitalisation.
Pre-Hospitalisation Expenses - Covers medical costs, such as diagnostic tests, required before hospitalisation, up to 90 days before hospital admission.
Post-Hospitalisation Expenses - Covers expenses for follow-up consultations and medication after discharge up to 90 days after hospitalisation.
Day Care Procedures - Covers costs for medical treatments that do not require more than 24 hours of hospitalisation (such as minor surgeries, dialysis, etc.)
Organ Donor - Covers medical expenses needed for the organ transplantation surgery if the policyholder is receiving the donated organ.
Domiciliary Treatment - Covers medical expenses for treatments at home that exceed three days. It does not apply to enteral feeding or end-of-life care.
AYUSH cover - Covers medical expenses for alternative treatments under AYUSH (Ayurveda, Yoga, Unani, Siddha and Homoeopathy).
Ambulance Cover - Covers ambulance charges for transportation within a radius of 50 kilometres for emergency treatment and hospitalisation.
TATA AIG MediCare Select Exclusions
Diagnostic tests and consultations unrelated to the current treatment.
Expenses related to advised bed rest and not for receiving treatment.
Surgical treatment for obesity, weight control and gender change treatments
Expenses for plastic or cosmetic surgery, unless medically advised
Expenses to treat suicide attempts, self-injury or alcohol or drug abuse.
Dietary supplements and medicines purchased without prescriptions.
Treatments received in nature cure clinics, spas, and similar establishments.
Treatments for individuals participating in military, air force or naval operations.
Medical expenses related to sterility, infertility and maternity, unless specified under the policy.
Medical costs from adventure sports, unproven treatments and treatments advised by a doctor outside their field of study.
Illnesses caused by war or war-like incidents and nuclear, biological or chemical attacks.
Correction of eyesight, hearing aids, contact lenses, spectacles, etc., as part of optometric therapy.
Medical expenses provided by a medical practitioner who is a relative or shares the same residence as the insured individual.
Specific diseases, illnesses, injuries or health conditions excluded under the policy and treatments from excluded hospitals
Treatment for pre-existing diseases and specific illnesses during the waiting period.
Disclaimer: Inclusions depend on the coverage you have opted for. Please refer to your policy documents for more information.
Disclaimer: This is not an exhaustive list of exclusions. Please refer to your policy documents for more information.
TATA AIG MediCare Select – Available Riders
Supercharge Bonus Rider
Get a bonus of 100% of the sum insured every year, even if you file a claim.
Advanced Cover Rider
Allows you to reduce the waiting period for specific pre-existing diseases by 30 days.
Preventive Annual Health Check-up Rider
Get coverage for annual health check-ups every year at home or with any of our network providers.
OPD Cover
Covers OPD (Outpatient Department) consultations for Vision, Dental, and other telecommunication services.
EmpowerHer
Covers specific healthcare needs for women, including PCOD treatments, cancer screenings, vaccinations, and more.
Mental Well-being
Covers mental health screenings, diet consultations, psychological therapy, addiction cessation programs, and more.
Supercharge Bonus Rider
Get a bonus of 100% of the sum insured every year, even if you file a claim.
Advanced Cover Rider
Allows you to reduce the waiting period for specific pre-existing diseases by 30 days.
What Our Customers Are Saying
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Average Rating /5 (Based On Ratings)
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!
Divya Pathak
Very Good , Hassle free web page.
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.
Vanraj Dubey
Their customer service executives really helped me with the requirements for claim filing and were very patient with me.
Muralianand SV
Very easy
Allur Midhunkumarsingh
Very nice, big 👌 thumps up to entire who ever involved to build this platform.
Anil Dafale
Very good. keep growing. Best of luck tata group and companies.
Read All Reviews
Steps to File a Cashless Claim
Steps to File a Cashless Claim
1
Inform Us
Use the Initiate Claim option (Also on our TATA AIG mobile app) or call at 022 6489 8282 (Charges Apply) for Senior Citizen - 1800 267 1955 (Toll Free), or self-service portal.
2
Visit an Authorised Hospital
Contact the TPA (Third Party Administrator), provide your health card and initiate a pre-authorisation request for cashless treatment.
3
Get Medical Treatment
Upon approval from us, you can get treated for your health condition.
4
Submit the bills
Submit the medical bills and your health reports to the hospital TPA at the time of discharge.
5
Claim Settlement
We will verify your claim and settle the applicable expenses directly with the hospital.
Please Note: Inform us about the claim for both cashless and reimbursement claims within 24 hours in case of an emergency and at least 48 hours in advance for a planned treatment. Rejection of cashless services does not indicate a rejection of your claim. You can still file for reimbursement.
Steps to File a Reimbursement Claim
1
Inform us
Inform us within 7 days of treatment. Use the Initiate Claim option (Also on our TATA AIG mobile app), call at 022 6489 8282(Charges Apply), or self-service portal.
2
Visit Any Authorised Hospital
Visit any hospital of your choice and get the medical treatment necessary for your health condition.
3
Pay for Treatment
Pay the medical expenses out-of-your pocket at the time of discharge. Keep all bills, receipts and reports.
4
Submit the bills
Submit your claims form, medical reports, bills and payment receipts with us for reimbursement within 15 days of treatment.
5
Claim settlement
We will verify your claim and reimburse the applicable expenses within 15 days of receiving your documents.
Documents Required
Frequently Asked Questions
How is MediCare Select different from other health insurance plans?
MediCare Select stands out from other health insurance plans by offering greater flexibility in choosing only the coverage and benefits you need. From maternity care to options like consumable covers and room category selection, you have the freedom to personalise your health plan to match your lifestyle, healthcare needs and budget.
Can I customise my health insurance plan with MediCare Select?
Yes, you can fully customise your health insurance plan with TATA AIG MediCare Select. You have the flexibility and complete control to choose the coverage and features that best suit your specific healthcare needs.
What is Restore Infinity Plus in TATA AIG MediCare Select?
Restore Infinity Plus is an in-built feature of the TATA AIG MediCare Select plan. It automatically restores your base sum insured if it is insufficient to pay an admissible hospitalization claim. This benefit restores the base sum insured unlimited times during the policy year.
Does this plan offer maternity coverage and newborn benefits?
Yes, TATA AIG MediCare Select offers maternity coverage as an optional cover. It includes expenses for childbirth, medically necessary pregnancy termination and first-year vaccinations for your newborn. If there are any delivery complications, the plan also covers the newborn’s medical treatment during hospitalisation.
Is AYUSH treatment covered under MediCare Select?
Yes, TATA AIG MediCare Select covers AYUSH treatments for both inpatient and daycare treatments received at AYUSH hospitals or AYUSH Day Care Centres. The policy also covers pre- and post-hospitalisation costs for AYUSH treatments up to 90 days before and after hospitalisation.
What is the daily cash benefit, and how does it work?
The daily cash benefit gives you a fixed amount of money for each day you are hospitalised. It applies when you choose twin-sharing or multi-sharing accommodation. You can use this benefit to cover additional expenses, such as food and transportation.
Can I buy this plan for my family as well?
Yes, you can buy this custom health plan for your family with the family floater option. It can include your spouse, children, parents and parents-in-law. The coverage will be shared among all insured members under the policy.
How do I get started with my own customised health insurance plan?
At the top of this page, you can find the MediCare Select product calculator. Enter the essential details and click on “Get Plan” to get started. Choose only the coverage features that you need and instantly create your personalised health insurance policy.
What are the waiting periods under the MediCare Select Policy?
- Initial waiting period - 30 days (day 1 coverage only for accidents).
- Specific diseases waiting period - 34 months
- Pre-existing diseases waiting period - 36 months
- Maternity waiting period - 2 years (Can be reduced to 1 year)
How can I renew my policy, and what is the grace period for this plan?
You can renew your health insurance policy online at our Renew Health Insurance page. Just provide your policy number and proceed.
The grace period for this plan is 15 days in case of monthly payments and 30 days for all other premium payment modes, including single premium payment mode.
Is a cashless facility available only at network hospitals?
Not anymore. With the 2024 General Insurance Council (GIC) announcement, cashless services are now available at all hospitals in India. However, the hospital should be authorised and eligible for the cashless benefit.
What are the documents required to file a claim?
The documents can vary for the individual claims. Some of the most common documents required are the claim form, health reports, original medical treatment bills, pharmacy bills, discharge summary, FIR in case of accidents and payment receipts.
What is the free look period for this plan?
The free look period to review the policy terms and conditions is 30 days from the date of receipt. If you decide to cancel your policy purchase during this period, you get a full refund.
What is the cancellation policy on the MediCare Select?
You can cancel your policy by giving us 7 days’ written notice. If no claims have been made, you will receive a refund based on the remaining policy period. No refund will be provided if a claim has already been made.
We also reserve the right to cancel your policy with 15 days’ written notice on the grounds of fraud, misrepresentation, or non-disclosure of important details.
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