Medicare Premier

Tata AIG Health Insurance

Claim settlement ratio 96.43% for FY 2020-21

NCB* 50%, up to a maximum of 100% of SI*

PED Waiting# 24 months

Network Hospital 7000+

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Overview of Tata AIG Medicare Premier

Tata AIG is a trusted name in the insurance sector and is known as a risk expert. The Tata AIG Medicare Premier is a health policy offering the exact mix of features and coverage that are expected out of an ideal health insurance plan. The plan goes beyond the traditional coverage to cover many features normally unavailable in regular health insurance policies.

USP features of Tata AIG Medicare Premier

  • The all-inclusive Tata AIG Medicare Premier Plan allows the insured to avail a 50% special bonus or up to 100% of sum insured for not availing insurance and staying healthy for a policy year
  • Another good feature of the plan is that it doesn’t require the insured to pay a single penny from his/her pocket as the policy comes with no co-pay clause where the insurer bears the entire cost of treatment
  • Further, the Tata AIG Medicare Premier Plan also comes with no restrictions on room rent. So, whether you pick single, deluxe or a shared room you will not find any hassle
  • As compared to many health insurance policies, the Tata AIG Medicare Premier Plan comes with the least waiting period for pre-existing diseases, which is just 24 months
  • You also get free health check-ups every year to ensure your good health at no cost paid from your pocket with the Tata AIG Medicare Premier Plan

What’s not covered under Tata AIG Medicare Premier?

  • The Tata AIG Medicare Premier Plan exclude expenses related to diagnostics and evaluation of diseases
  • It also excludes expenses associated with surgical treatment of obesity which are not under the purview of the Tata AIG Medicare Premier Plan
  • The Tata AIG Medicare Premier Health policy doesn’t offer coverage for expenses related to infertility and sterility
  • Expenses of treatment required due to participation in hazardous adventure sports etc. are also excluded from the plan
  • Further, the plan excludes any existing disease that are specifically mentioned as permanent exclusion in the policy schedule
  • Any injury done intentionally or any suicide attempt done while under sane or insane condition is also not covered under the Tata AIG Medicare Premier plan
Frequently asked questions

Yes, Tata AIG Medicare Premier plan allows discount on Family Floater Plans that ranges between 20 to 32%. Further, if the policyholder buys the plan for 2 to 3 years, the policy allows a discount of 5 to 10% respectively.

No, the Medicare Premier lets you stay in any room available in the hospital including Single Private Room, Shared Room, Deluxe Room, etc. with no cap on room rent.

Yes, the Medicare Premier plan does offer a restoration benefit where you can get up to 100% of the cover restored. Thus, you can use this benefit in case you have to go through multiple hospitalizations, in a policy year.

Yes, policyholders of Medicare Premier plan can have coverage for AYUSH Treatment.

Yes, you can avail a no-claim bonus for every claim free year under which your sum insured grows by 50% up and up to a maximum of 100% of the sum insured.

Yes, the Tata AIG Medicare Premier plan offers maternity benefits of up to INR 50,000 and INR 60,000 (if the baby born is a girl child).

  • * 50% cumulative bonus will be applied on the Sum Insured for next policy year for every claim free year. The maximum cumulative bonus shall not exceed 100% of the Sum Insured in any Policy Year.
  • # Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with the insurer.
(For More Information Refer to Policy Wording)