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TATA AIG General Insurance Company Review
TATA AIG Health Insurance Company
TATA AIG Health Insurance Company
Tata AIG General Insurance Company Limited is a joint venture between the Tata Group and the American International ...Read More
11,000+
Cashless hospitals
-
Claim settlement
3 Crores
Max sum insured
11
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 11,000+ hospitals
📊 1.81x solvency ratio
✅ - claim settlement
What you get with TATA AIG Health Insurance Company
The headline features and policy mechanics, at a glance.
Sum insured up to 3 Crores
Coverage scales from entry-level individual plans to high-end family-floater protection.
11,000+ cashless hospitals
Direct billing at network hospitals across 221 presence — no out-of-pocket payment at admission.
- claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.81x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
11 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About TATA AIG Health Insurance Company
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
TATA AIG Health Insurance Overview
TATA AIG Health Insurance offers various comprehensive health insurance plans to its customers. It is one of the leading health insurance companies, serving the market since 2001. TATA AIG has become a household name for its diverse health insurance plans. Their main aim is to provide trustworthy and innovative medical insurance for public welfare and healthcare needs.
What Does TATA AIG Health Insurance Do?
Tata AIG offers a variety of health insurance plans that cater to the needs of you and your family. They have products ranging from health insurance plans for individuals, families, women, senior citizens, and children, to plans designed for specific diseases and critical illnesses. With over 10,000+ network hospitals, you can get cashless treatments, ensuring TATA AIG covers you from unforeseen medical emergencies. Read below for more information about TATA AIG Health Insurance Company.
Key Highlights:
- 11000+ Network Hospitals
- COVID-19 Coverage Offered
- Up to 3 Cr Sum Insured
- 24X7 Customer Support
What are some of the features that set them apart?
- They have a lot of exclusive health insurance plans for individuals, families, women, and much more.
- A comprehensive wellness system to promote a healthy lifestyle.
- Emergency Ambulance services.
- Avail of cashless claim settlement services from over 11,000+ cashless healthcare providers.
- Unlimited teleconsultations.
TATA AIG Health Insurance Plans
TATA AIG has a wide variety of health insurance plans that can cater to your varied health insurance requirements. Here are the plans they offer:
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Individual Health Insurance: Specifically designed for individuals with low premiums and high benefits. If you are looking for a health insurance plan and just started your career, then this will be a suitable plan for you.
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Family Health Insurance: As the name suggests, family floater health insurance provides coverage to up to 5 members of your family against a single sum insured. You can add multiple nominees to this kind of plan, and the premium amount is typically low as the sum insured is shared among all members under the plan.
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Super Top-Up Health Insurance: Super top-up provides enhanced coverage and adds to the sum insured in your existing individual medical insurance plan.
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Critical Illness Health Insurance: Many insurance policies do not cover expenses related to critical illnesses such as cancer, cardiovascular diseases, and other specified conditions. TATA AIG covers these illnesses as well.
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Personal Accident Insurance Policy: An accident can lead to permanent disability or even death. Tata AIG covers you and your family in such scenarios.
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Coronavirus Health Insurance: This is the latest add-on in the company’s plans. You are all familiar with COVID-19 and its related expenses. TATA AIG provides coverage for these.
Why Choose TATA AIG Health Insurance Company?
Super Quick
Tata AIG Health Insurance offers an easy, smooth, quick, and transparent purchase process.
No Sub-Limit on Hospital Room Rent
You will get the flexibility to choose your hospital room without an upper ceiling on expenses, as long as it falls under the umbrella of the sum insured under the plan. Therefore, you can receive treatment in a hospital room without worrying about out-of-pocket expenses.
No Co-pay
With a comprehensive plan, you do not have to worry about out-of-pocket expenses, as all covered expenses are borne by your sum insured.
Maternity Cover
TATA AIG designed this cover to support you financially through the beautiful phase of life. You can reimburse maternity expenses, but this benefit activates after one year of purchasing the policy.
Pre and Post-hospitalization Cover
Your pre and post-hospitalization expenses will be covered under the TATA AIG mediclaim policy. You can benefit from expenses incurred 30 days before hospital admission (such as diagnosis) and 60 days after discharge from the hospital.
Cover for Pre-existing Illness
With TATA AIG coverage, you will get coverage for pre-existing diseases after completing the designated waiting period.
Cashless Claims
If you opt for medical services from any network hospital, you will receive cashless bill settlement.
Tax Benefits
Under Section 80D of the Income Tax Act, 1961, your premium amount may be exempt from taxes. If your insured individual is under 60 years, you can claim a maximum deduction of INR 25,000.
AYUSH Cover
Nowadays, getting treatment from several traditional techniques is easy. With TATA AIG, you will also get coverage for AYUSH treatments, which are ancient methods of treating diseases.
Factors to Consider While Buying TATA AIG Health Insurance
Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.
Choose TATA AIG Health Insurance Company Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Tata AIG Health Insurance
All 11 TATA AIG Health Insurance Company plans
Every plan currently being sold by TATA AIG Health Insurance Company, shown side-by-side so you can shortlist quickly.
TATA AIG Supercharge Plan
TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan provides access to health…
- 5x benefits
- 5% extra discount for youngsters
- 2 plan variants
- AYUSH treatment
Tata AIG Medicare Plan
TATA AIG Medicare is a comprehensive health insurance plan specifically designed to address the increasing cost of medical expenses. This u…
- Global coverage
- 540+ day care treatments
- Qualified nurse
- Room rent
Medicare Plus Plan
TATA AIG Medicare Plus Policy, offered by Tata AIG, is an affordable top-up policy designed to look after your and your family's healthcare…
- Global Coverage
- Cumulative Bonus
- Tax Benefit
- Family Discount
Tata AIG Secured Future Plan
Why settle for less when it comes to your family's future protection? Buy the Tata AIG Secured Future health insurance policy that covers m…
- Income benefit
- Accident cover
- Disability cover
Tata AIG Group EMI Protect Plan
The Tata AIG Group EMI Protect policy is designed to offer insured members financial protection if they cannot work due to an accident or t…
- In-patient hospitalization
- Critical illness cover
- Personal accident cover
Tata AIG Arogya Sanjeevani Policy
As per IRDAI's guidance, the Tata AIG Arogya Sanjeevani policy is an indemnity plan designed to offer a basic yet comprehensive health insu…
- Hospitalization cover
- Accident cover
- Ambulance cover
TATA AIG Accident Shield Policy
Have you considered staying prepared against adversity with the TATA AIG Accident Shield policy? Tata AIG Accident Shield policy is an addi…
- Accidental death
- Permanent total disability
- Permanent partial disability
Tata AIG Elder Care Insurance Plan
Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan. Tata AIG Elder Care is tailored to …
- Preventive health check-up
- Pre-hospitalisation cover
- Post-hospitalisation cover
- Compassionate visit
TATA AIG Criti MediCare Policy
Be ready for future health complications that may deplete your wealth and health. Or choose Tata AIG Criti MediCare, which has your back. T…
- Complete cancer coverage
- hospital cash
- Covers over 100 critical illnesses
Medicare Premier Plan
The Tata AIG Medicare Premier is a comprehensive health insurance plan offering advanced healthcare features. Available on an individual an…
- Wellness service
- Compassionate travel
- Home care
- Restore benefit
TATA AIG Accident Guard Plan
Life is uncertain, and unforeseen events can occur at any moment. To help you prepare for such uncertainties, TATA AIG offers the Accident …
- Temporary total disability
- Child enhancement benefit
- Air ambulance
- Loss of hearing
Quick comparison
Side-by-side across the 3 most-bought TATA AIG Health Insurance Company plans on PolicyX.
| Feature | TATA AIG Supercharge Plan | Tata AIG Medicare Plan | Medicare Plus Plan |
|---|---|---|---|
| Plan type | Family | Individual and Family Health Insurance | Top Up and Super Top Up |
| Sum insured | 5L, 7.5L, 10L, 15L, 20L | 3 L, 5 L, 10 L, 15 L, 20 L | ₹3 Lakhs, ₹5 Lakhs, ₹10 Lakhs, … |
| Entry age | 91 days to 65 years | 90 days - No limit | 3 Months to 65 Years |
| Top benefits | 5x benefits · 5% extra discount for youngsters | Global coverage · 540+ day care treatments | Global Coverage · Cumulative Bonus |
What's covered — and what's not
The standard inclusions and exclusions across TATA AIG Health Insurance Company plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Tata AIG Health Insurance understands the impact of medical inflation, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to hospitalization.
- Most TATA AIG Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- TATA AIG Health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the TATA AIG health insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. TATA AIG health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- TATA AIG health policies will not cover injuries or hospitalization caused by self-harm.
- TATA AIG Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- TATA AIG Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- TATA AIG Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- TATA AIG health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
11,000+ cashless hospitals
Find a TATA AIG Health Insurance Company network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing TATA AIG Health insurance online, follow the simple steps below:
Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare TATA AIG Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased TATA AIG health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your TATA AIG Health Insurance plan.
You can file for cashless as well as reimbursement claims for your TATA AIG Health Insurance Plans by following these easy steps:
Step 1
Visit the website of TATA AIG Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to access the form.
Step 2
Now select "health claim" and provide the required information, which includes the policy number, date of birth, and other details they ask for.
Step 3
Now select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click on "authorize" and you will receive an OTP on your verified number.
Step 4
Verify with the OTP and fill in the required hospital admission information. Select the hospital, and fill in the hospital details in case of a non-network hospital.
Step 5
Upload the requested documents and click on the "review" button.
Step 6
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Follow these steps for TATA AIG Health Insurance policy renewal:
Step 1
Visit the official website of TATA AIG Health Insurance Company.
Step 2
Click on the Renew tab and select Health.
Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for TATA AIG health insurance policy renewal at 1800-4200-269.
Frequently asked questions
The 13 most-asked questions about TATA AIG Health Insurance Company, answered.
Yes. If you are not happy with your existing policy, you can easily port your policy.
TATA AIG medical Insurance offers various modes for premium payment such as Cash payment at the branch. Online payment via Credit Card, Debit Card, Net Banking, UPI
Registered users can visit the online portal of the company and can log in with their username and password to check the policy status.
The benefits of the TATA AIG mediclaim calculator are given below: Get quotes in just a few minutes Compare premiums online Buy policy once you are sure
Submit your TATA AIG policy along with the surrender form at the nearest branch of TATA AIG health insurance. After the completion of the paperwork, your refund will be credited to your account and your policy will be canceled.
Yes, customer care executives of TATA AIG health insurance are 24x7 available for their customers. You can get in touch with us by calling on this toll-free number: 1800 266 7780.
Yes, you can get the same coverage across pan India. Moreover, you can also get cashless treatment at our 7,200+ network hospitals across pan India.
While buying health insurance, make sure to have thorough information about your and your family’s healthcare needs. If the plan offered by TATA AIG Health Insurance company fits your budget and fulfils all your needs, then you can definitely buy a health plan from TATA AIG.
Yes, with TATA AIG’s Wellsurance Family health policy, one can avail of medical coverage themselves as well as get coverage for a child’s education.
Yes, in case if you forgot to renew your policy on time, the company offers a grace period of 30 days for renewing the policy.
Yes, some of the plans such as Tata AIG Medicare Premier covers OPD expenses up to Rs. 5000 annually.
Documents Required To Buy This Policy: KYC documents 1 passport size photograph Medical records Family medical history and all the current medical records Application form
TATA AIG General Insurance Company offers 2 modes of premium payment, viz., Cash payment at the branch. Online payment: For the online payment, the policyholder can pay via Credit Card, Debit Card or through Net Banking
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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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