Compare TATA AIG Medicare Health Insurance, Compare Medicare Health Insurance Plans

Compare health insurance benefits offered by TATA AIG Medicare Insurance, TATA AIG Medicare Protect Insurance and TATA AIG Medicare Premier Insurance plans. These three health insurance plans are offered by TATA AIG which offers pre-existing coverage after 2,3 or 5 years. Compare price and benefits to find the best health insurance plan for your needs.

TATA AIG Health Insurance Review

Sum Insured
3 lacs − 20 lacs options available
Tenure Options
1, 2 or 3 years options available
Claims Incurred Ratio *
78.00%
Claims Settlement Ratio **
80.61%
List of Network Hospitals
4,000+ hospitals
Number of Policies issued *
220,583
Number of Lives Covered *
2,248,000
Maximum Family Floater Coverage
Self, Spouse + 3 dependent children + 2 dependent parents
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website
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Compare Medicare Health Insurance Plans

TATA AIG Medicare Protect
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TATA AIG Medicare
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TATA AIG Medicare Premier
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Sum Insured
2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakh
Pre-Hospitalization expenses
30 days before the date of admission to the hospital 60 days before the date of admission to the hospital 60 days before the date of admission to the hospital
Post-Hospitalization expenses
60 days after discharge from the hospital 90 days after discharge from the hospital 90 days after discharge from the hospital
Day Care Procedures
540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered 540+ listed Day Care Treatment covered
Ambulance Cover
1000 3000 5000
Health Checkup
Up to 1% of sum insured per policy and more than one insured can utilize the amount. The benefit is payable after every 3 continuous claim free policy years. Up to 1% of sum insured and maximum of Rs.10,000/- per policy and more than one insured can utilize the amount. The benefit is payable after every 2 continuous claim free Up to 1% of sum insured and maximum of Rs.10,000/- per policy and more than one insured can utilize the amount.
Cumulative Bonus
10% on base sum insured for every claim free year and up to 100%. Reduced by 10% and up to 100% in case of claim. 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim. 50% on base sum insured for every claim free year and up to 100%. Reduced by 50% and up to 100% in case of claim.
Co-pay
10% for higher room optional No Co-pay
Compassionate Travel
Max 20,000pa, more than 5 days of hospitalisation Max 20,000pa, more than 5 days of hospitalisation Max 20,000pa, more than 5 days of hospitalisation
Accidental Cover
optional optional Inbuilt, upto Sum Insured
Hearing Aid
- 10,000, every third year 10,000, every third year
Daily cash for choosing shared accomodation
- If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day. If the insured is hospitalized in shared accommodation in a network hospital for more than 24 hours. Then the company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day.
Daily cash for accompanying an insured child
- If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours. If an insured child aged 12 years or less is hospitalized. The company pays 0.25% of base sum insured and maximum of Rs.2,000/- per day for one accompanying adult for 24 hours.
Maternity Expenses Cover
- - Up to Rs.50,000/- (Rs.60,000/- in case of girl child) per policy. Waiting period 4 years.
New born baby cover
- - If a claim is admitted under the maternity benefit, then the company covers for medical expenses incurred on the treatment of new born baby up to Rs.10,000/- for complications related to delivery.
Waiting Period for pre-existing disease
48 months 36 months 24 months
OPD Dental
- - 10,000
OPD
- - 5000
High end diagnostics
- - 25,000
Vaccination Cover
- 5000 Up to Sum Insured
travel insurance usa

What are the unique benefits of TATA AIG health insurance?

Some of the TATA AIG health insurance benefits are

  • Cashless hospitalization due to accident and sickness at 4500+ network hospitals
  • No room rent restrictions
  • Pre-existing diseases cover after 2 year waiting period.
  • Domiciliary treatment
  • 541 day care procedure
  • Family discount of up to 32% and up to 10% discount if purchased for 3 years.
  • Maternity and new born baby cover
  • Vaccination cover
  • Bariatric surgery
  • Tax benefit under section 80D
  • Renewal for life
  • Ayush benefit
  • Global cover
  • Restore benefit (for related and unrelated issues)
  • OPD cover
  • Emergency air ambulance
  • No Claim bonus
  • Good claim settlement ratio
  • Other consumable benefits

Tata AIG health insurance claims

Claim related information:

For any claim related query, intimation of claim and submission of claim related documents, you can contact Your TPA through:

  • Name of TPA : Family Health Plan Insurance TPA Ltd (FHPL)
  • Website : www.fhpl.net
  • Email
  • Toll Free
    • 1800-425-4033
    • 040- 23552899 (for Senior Citizens)
  • Fax : +91-40-23541400
  • Submit claim
    • Claims Department, Family Health Plan Insurance (TPA) Ltd, Srinilaya – Cyber Spazio Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad, 500 034.

Procedure for Reimbursement of medical expenses

  • The TPA (Third Party Administrator) must be informed no later than 7 days of completion of such treatment, consultation or procedure using the Claim Intimation Form.
  • Please send the duly signed claim form and all the information/documents mentioned therein to your designated TPA within 15 days of the occurrence of the Incident. Please refer to claim form for complete documentation.
  • If there is any deficiency in the documents/information submitted by the insured, the TPA will send the deficiency letter within 7 days of receipt of the claim documents.
  • On receipt of the complete set of claim documents, Tata AIG will send the payment for the admissible amount, along with a settlement statement within 30 days.
  • The payment will be sent in the name of the proposer.

(Note: Payment will only be made for items covered under your policy and upto the limits therein.)

Procedure to avail cashless treatment

  • For any emergency Hospitalisation, the designated TPA must be informed no later than 24 hours after hospitalization.
  • For any planned hospitalization, kindly seek cashless authorization from the designated TPA atleast 48 hours prior to the hospitalization.
  • TPA will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiency in the documents sent, the same shall be communicated to the hospital within 6 hours of receipt of documents.
  • Please pay the non-medical and expenses not covered to the hospital prior to the discharge.
  • In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours.

(Note: n Insured person is entitled for cashless coverage only in our empanelled hospitals.)

Grievance redressal procedure

Tata AIG is committed to extend the best possible services to the insured. However, if you are not satisfied with our services and wish to lodge a complaint, please call our 24X7 Toll free number 1800266-7780 or 022-66939500 (toll number) or 1800 22 9966 (For Senior Citizens) or you may email to the customer service desk at customersupport@tataaig.com. After examining the issue and subsequent closure, Tata AIG will send our response within 10 days from the date of receipt of the complaint by them. In case the resolution is likely to take a longer time, we will inform you of the same through an interim reply.

Escalation level 1

In case you do not receive a resolution within 10 days or if the resolution still does not meet your expectations, you can write to manager.customersupport@tataaig.com . After analysing the matter internally and subsequent closure, we will send our response within a period of 8 days from the date of receipt at this email id.

Escalation level 2

In case you do not receive a resolution within 8 days or if the resolution still does not meet your expectations, you can write to Head - Customer Services at head.customerservices@tataaig.com . After examining the matter, we will send you our final response within 7 days from the date of receipt of your complaint on this email id.

TATA AIG health insurance useful links

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You can buy insurance online by using a credit / debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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In case of Claim or reimbursement of treatment expenses, notify TATA AIG health insurance.

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Insurance FAQ TATA AIG insurance FAQ

Frequently asked questions on TATA AIG Health Insurance.

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Tax deduction on health insurance premium paid for you, your family and your parents.

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