About Tata AIG Health Insurance

Tata AIG General Insurance Company Limited was formed as a joint venture between American International Group and Tata Group. It commenced its operations in 2001 and has completed 20+ years of service in the insurance industry of India. Tata AIG General Insurance Company is amongst the most preferred and reported private general insurance providers in India.

The company offers a wide variety of general insurance products for individuals and businesses. It offers comprehensive plans for travel, rural, agriculture insurance, marine cargo, liability, personal accident, extended warranty, etc. Tata AIG General Insurance has also established Tata AIG Academy to provide a center for learning and gaining knowledge in the general insurance domain.

Claim settlement ratio 94.21%

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

PED Waiting# 60 months

Network Hospital 7000+

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Top Plans

Tata AIG Health Insurance Plan(s) Plan Type Entry Age
Medicare Premier Plan Type : Base Product Entry Age : 91 Days - 65 Years

Tata AIG Health Insurance – Highlights

Some key highlights of Tata AIG General Insurance Company are stated as follows: 

Asset under management

INR 22,566 Cr as of March 31, 2023,

Total customers

5 Cr + customers served since its Inception

Network hospitals

10,000 + network hospitals across the country

Policies issued

1 crore+ policy issued in the previous year


213 branches across India

Licensed agents and brokers

550 + licensed brokers and 76,000 + licensed agents


8, 834 + employees

Achievements of Tata AIG Health Insurance

Among the various accolades of the Tata Health Insurance company include:

  • Tata AIG General Insurance Company has been bestowed with the ‘Corporate Social Responsibility Award 2016’ at the 20th Asia Insurance Industry Awards for its commitment to a sustainable ecosystem.
  • The company was awarded ‘The Company of the Year’ for health insurance products and the ‘Best Product Innovation Award in the General Insurance Category.
  • Tata AIG General Insurance Company received ‘The E-commerce Award 2011 in the Asia Insurance Technology Awards.

Key Features of Tata AIG Health Insurance

Here are some of the common coverage benefits that you can find in most of the available TATA AIG health insurance plans –

Coverage benefit


Hospitalisation cover

The cost of room rent, nursing fee, doctor’s fee, etc. are covered when you are hospitalized for 24 hours or more for treating an illness or an injury

Pre hospitalization cover

Before you are hospitalized, the medical costs incurred on diagnosing the illness are covered under the pre-hospitalization cover. This cover is available for a specific number of days before hospitalization

Post hospitalisation cover 

After you get hospitalized, there might be medical costs incurred when you are recovering. Such costs are covered under the post-hospitalisation cover which is available for a specific number of days

Ambulance cover

The cost of hiring an ambulance is covered under this benefit. The coverage might either be allowed up to the actual expenses incurred or a specific limit

Daycare cover

In some treatments, you get discharged from the hospital within a few hours. Such treatments are called daycare treatments and they are covered under TATA AIG health insurance plans

Organ donor cover

Under this cover, the cost of an organ donor’s hospitalization and the consequent cost of harvesting the organ is covered 

Domiciliary cover

Domiciliary hospitalization means hospitalization at your own home. This hospitalization is covered if there are no hospital beds for admission or if you cannot be moved to a hospital given your critical condition

Free health check-ups

TATA AIG allows free health check-ups in its health insurance plans so that you can monitor your health. These check-ups are allowed at specified intervals

AYUSH cover

AYUSH cover covers non-allopathic treatments taken through Ayurveda, Homeopathy, Unani, and Siddha. Under many TATA AIG plans coverage for AYUSH treatments is allowed  

1. Cashless Hospitals:

There are over 7,200 hospitals that the Tata AIG health insurance company has tie ups with where the policy owner can get cashless treatment and easy and smooth payment of hospital bills.

2. Claim Settlement Ratio:

Tata AIG health insurance company had a high claim settlement ratio of 94.43% in FY 2020-21. The company is committed towards settling claims of their policyholders easily and quickly.

3. Exclusive Coverage:

The Tata AIG health insurance policies offer exclusive coverage of expenses arising out of various illnesses including Critical illnesses.

4. No Room Rent Limit:

Another best feature of Tata AIG health insurance plans is that they do not come with any room rent sub-limits for availing hospital rooms.

5. Hassle-Free Claim Process:

The company has over 650 claim experts to settle claim requests rapidly. You can file for online claims to receive a seamless process with minimal paperwork for settling your claims.

6. Medical Coverage for NRIs:

The health insurance plans offered by Tata AIG for NRIs covers medical expenses of non-resident Indians while they are visiting the country.

7. Tax Benefits:

You can claim tax benefits on the premium paid towards buying your Tata AIG health insurance policy under Sec 80D of Income Tax.

8. 24×7 customer assistance:

The dedicated team of customer support of the insurer offers 24×7 customer assistance.

Common exclusions in TATA AIG health insurance plans

Exclusions are instances that are not covered under TATA AIG health insurance plans. Though the plans have a comprehensive scope, there are common exclusions in them. The actual list of exclusions is plan-specific and can be found in the policy wordings. Common exclusions, on the other hand, are as follows –

  • There is a 30-day waiting period from buying the policy. This is the initial waiting period and during this period illnesses are not covered.
  • There is a pre-existing waiting period for medical conditions that you suffer from when buying the policy. This waiting period ranges from 2 years to 4 years depending on the plan.
  • Specific illnesses also have a waiting period of 2 years. During this period such illnesses are not covered under the plan
  • Cosmetic treatments and weight control treatments are excluded from coverage 
  • Self-inflicted injuries, substance abuse, alcoholism, criminal acts, etc. are not covered
  • If you avail of unscientific or experimental treatments, coverage for such treatments will not be allowed
  • War and allied perils are specifically excluded from coverage
  • Congenital illnesses and defects are not covered
  • Cost of contact lenses, spectacles, crutches, etc. are excluded 

Benefits of Tata AIG Health Insurance

Here are some benefits of buying Tata AIG Health Insurance:

# To tackle rising inflation and medical costs:

We all know that the costs of medical treatment has risen to a great limit over the years. Thus, to keep up with the rising expenses, a good medical insurance is the need of the hour.

# For tax benefits:

Though it might sound frivolous, tax savings is a reason of great importance for availing health insurance policies. Section 80D allows a health insurance policyholder to avail tax exemption under the plan. However, tax benefits are subjects that can change with the new and updated laws. So, you must check before buying the policy.

# For coverage against sudden medical emergencies such as covid-19 pandemic:

The recent covid-19 pandemic has proved that anything can happen anytime when it comes to health. Hence, being prepared is the best thing to do.

# To deal with the changing lifestyle and habits:

The changing lifestyle of people is another reason which gives rise to varied medical conditions.

Tata AIG Best Health Insurance Plans

The Tata AIG health insurance plans are designed to cover the insured against a wide array of medical and health emergencies. Below are some Tata AIG health insurance plans sold by the company:

Plan Name Min. Age Max. Age Min. Coverage Max. Coverage
Tata AIG Medicare Plan 91 days 65 years INR 3 lakh INR 20 lakh
Tata AIG Medicare Plus Plan 91 days 65 years INR 3 lakh INR 1 Crore
Tata AIG Criti Medicare Plan 91 days 65 years INR 5 lakh INR 2 Crore

Tata AIG Plans in Detail

1. Tata AIG Medicare Plan:

This is a pocket-friendly medical policy from Tata AIG that comes with a range of benefits to help you deal with your healthcare emergencies.

Features of Tata AIG Medicare Plan:

  1. The plan offers global coverage
  2. It is available for individuals as well as families
  3. The plan cover for bariatric surgery
  4. It allows the insured to choose the sum assured as per needs
  5. Sum insured of the policy ranges from INR 3 lakhs to INR 20 lakhs
  6. The plan comes with Teleconsultation Service & Ambulance Booking Facility
  7. You do not require to go through any pre-policy medical check-up for up to 45 years of age

2. Tata AIG Medicare Plus Plan

This is a plan that allows comprehensive coverage to the insured and is available with deductible options. The sum insured under this plan is wide ranging and starts from INR 3 lakh to INR 1 crore

Features of Tata AIG Medicare Plus Plan:

  1. The plan covers expenses of in-patient hospitalization and day care procedures
  2. It allows coverage for both pre-and post-hospitalization expenses
  3. The plan allows preventive health check-up after every two claim-free years
  4. It also allows the benefit of second opinion and consumables
  5. There is no requirement of pre-policy medical check-up up to 45 years
  6. 50% cumulative bonus is offered after two claim-free years
  7. Global cover option is also available

3. Tata AIG Criti Medicare Plan

This is a plan specially designed to provide cover against 100+ critical illnesses. This plan is available in five different sections namely;

  • Critical Illness
  • Cancer 360 Degree Indemnity Cover
  • Hospital Cash
  • Wellsurance Benefit (Optional)
  • Personal Accident

Features of Tata AIG Medicare Plan

  • The sum insured under the plan ranges from INR 5 lakh to INR 2 crore
  • The plan cover chemotherapy and radiotherapy sessions
  • It also allows coverage against second medical opinion cover
  • You can seek for global coverage under Cancer 360 Degree
  • It offers annual health check-up facility for every claim-free year
  • There is also the option to choose between zero survival period, 7 days survival or 15 days

4. Tata AIG Medicare Protect

This plan serves best for those people who are worried about the costs attached with hospital stay.

Features of Tata AIG Medicare product:

  • The plan covers pre- and post- hospitalization expenses
  • It allows you to focus on getting healthier rather than getting stressed of the hospital bills

5. Tata AIG Medicare Premier

This is the best plan for all-rounded safety as it comes with exclusive cover offered for Home Care Treatment along with many other benefits. The sum insured under the plan ranges between INR 5 lakhs to INR 3 Crore.

Features of Tata AIG Medicare Premier:

  • Global Cover for Planned Hospitalization
  • Home care treatment
  • High-end Diagnostics
  • OPD Treatment
  • Emergency Air Ambulance etc.

How to File a Claim for Tata AIG Health Insurance Plans – 5 Easy Steps?

To file a cashless claim with Tata AIG Health Insurance, you can follow the below steps:

Step 1 – Inform Insurer

If it is a planned hospitalization, intimate Tata AIG General Insurance Company a minimum of 5 days in advance before hospitalization. If it is an emergency case, you must inform the insurer within 24 hours of hospitalization.

Step 2 – Show your Documents

You must show your insurance card and ID proof offered by the insurer at the network hospital after getting admitted

Step 3 – Pre-authorization Request

Once you show your card and proof, the hospital will contact your insurer with a cashless claim request for pre-authorization.

Step 4 – Approval of Cashless Treatment

When the documents are verified, the insurer will pre-authorize your cashless treatment.

Step 5 – Claim Settlement

Now, as you get discharged from the hospital after your treatment, the insurance company will settle the hospital bill directly with the hospital.

However, in case you undergo treatment in a non-network hospital, you have to go through a reimbursement claim process. Here, you will have to pay the hospital bill on your own when you get discharged from the hospital and later can claim for the expenses by showing all the documents and bills. This might take around 21 days of time in total.

Documents Required to Claim Tata AIG Health Insurance

Below are the documents required to be submitted at the time of raising claims of Tata AIG plans:

  • Health insurance claim form duly filled
  • Photocopy of insurance card
  • All the certificate related to the treatment signed by doctor who attended the patient
  • All the test reports, lab and diagnostic reports
  • Discharge summary
  • Original bills and receipts of payment
  • Original medicine papers
  • NEFT details of the policyholder
  • FIR/MLC copy (if it is an accidental claim)
  • CKYC form, duly filled (for claims of INR 1 Lakh and above) etc.

How to Buy Tata AIG Health Insurance Plans?

Here’s your step-by-step guide to buying Tata AIG health insurance plans online:

  • Go to the official website of the insurer
  • Alternatively, you can visit the website of Paybima insurance brokers
  • Now, press the ‘Health Insurance’ tab
  • Select the number of people to be insured under the plan as well as their age
  • Add basic details, like name, city, phone number etc.
  • Mention any PED if you have or a medical history
  • Choose the insurance plan you want to buy
  • Make payment of the premium online
  • Your policy will be shortly issued in just moments

How to Renew Tata AIG Health Insurance Plans?

Here are the steps to follow for Tata AIG health insurance renewal online:

  • Go to the official website of Tata AIG homepage and select ‘Renew Your Policy’ tab
  • Choose the tab of ‘Health Renewal’ option and enter your contact number/OTP to login
  • Submit the information required together with the contact details
  • Now, select the policy that you want to renew from the list of plans
  • Make payment of the Tata renewal amount online
  • Your policy would be instantly renewed

    Process to file a claim of Tata AIG Health Insurance Plan

    Claiming your Tata AIG health insurance plan is very easy and simple. You can initiate the claim process online through paybima.com. The claim process is discussed as follows: 

    Locate the hospital: Tata AIG offers both cashless and reimbursement claim facilities. To avail of cashless claims, you would have to locate the nearest network hospital and get admitted to it. You can locate the nearest network hospital by visiting the official website of the insurance company. If you get admitted to a non-network hospital, then your claim will be settled on a reimbursement basis.

    Admission: If you are availing of the cashless facility, you can get yourself admitted to the hospital by showing your identity proof and your health card provided by the insurance company.

    Authorization form: Before beginning the treatment, the network hospital takes approval from the insurance company for a valid cashless claim. For the approval of cashless claims, submit a pre-authorization claim form. The form can be taken from the insurance desk of the hospital or can be downloaded from the website of the insurance company. The cashless claim form has to be submitted at least five days before planned admission. In case of an emergency, you can submit the authorization form to the insurance company within 24 hours of hospitalization.

    Approval for cashless treatment: Once the hospital has received the authorization form, it will notify the network hospital and provide a confirmation letter. The hospital would then proceed with your treatment and all the bills would be directly settled by the insurer. 

    Reimbursement facility: You can avail reimbursement facility if you are admitted to a hospital that does not have a tie-up with your insurance provider or if your insurer has rejected your cashless claim application. In such a case, you would be required to register the claim with the insurance company before admission. You can inform the insurance company after your admission but before discharge in case of emergencies. You will have to settle all the bills and the treatment cost which would later be reimbursed on submission of the claim form and original bills. 

    You can seek the help of a PayBima executive for a hassle-free claim settlement experience. You can send an email to paybima.care@mahindra.com or call 1800 267 67 67 and we will assist you with your claim. 

    The list of the documents required to be submitted for the claim is: 

    • Duly filled & signed claim form
    • Pre-authorisation claim form for cashless facility
    • Identity proof such as an Aadhaar card, PAN Card, Birth Certificate, etc of the insured
    • Insurance card
    • Doctor's prescription advising hospitalization
    • Medical certificate signed by an authorized doctor
    • Original receipts and bills
    • NEFT or bank details to credit the settlement amount

    Review of Tata AIG Health Insurance Plans

    Tata AIG General Insurance offers a wide variety of health insurance policies to cater to your requirements. Other highlights include the following:

    • Tata AIG’s broad insurance portfolio is backed by professional expertise.
    • The company has 550 + claim experts and an efficient customer service & operation team delivering superior customer service experience and the latest technology innovations.
    • Tata AIG General Insurance is increasing its online presence through a strategic initiative known as ‘Go Digital’ which provides easy buying of insurance products online. 
    • You can avail of attractive discounts on premiums to make your plan affordable.

      How to calculate Tata AIG Health Insurance Premium?

      If you want to calculate the Tata AIG Medical insurance premium, you can do so with the help of the Tata AIG health insurance premium calculator easily. The AIG calculator needs some fields to be filled with basic details like sum insured, tenure of policy, location, etc. to calculate the premium in a smooth and hassle-free manner.

      Contact Details of Tata AIG Health Insurance Company

      Below are the contact details of Tata AIG General Insurance Company:

      Categories Contact details
      Toll free number 1800-266-7780
      WhatsApp No +91 91361 60375
      Email Id customersupport@tataaig.com

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    Frequently asked questions

    Yes. Policyholders can avail cashless hospitalization facilities under Tata AIG health insurance plans at all the empanelled hospitals across India within the network of Tata AIG health insurance hospital list.

    You can get OPD treatment cover under the Tata AIG Medicare Premier plan. However, this cover starts after a waiting period of 2 years.

    Yes. Tata AIG Mediclaim insurance plans provide coverage for pre-existing diseases after a waiting period of 2 years.

    You can get the Tata AIG health insurance cashless hospital list in the policy document and website.

    To cancel Tata AIG health insurance plan, you can contact the customer care of the insurer. In case you cancel the health policy within the first 15 days of buying the plan, no cancellation fee is charged. However, cancelling the policy after this free look period might levy a cancellation fee.

    As per the Tata AIG health insurance reviews, the health plans offered by the company including Tata AIG senior citizen health insurance policies are cost-effective, all-inclusive and must have for the elderly.

    * The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.

    # Ailments diagnosed within 60 months before policy issuance date or any medical treatment received within 40 months before the issue date of policy