Tata AIG Health Insurance

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Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583

About Tata AIG

TATA AIG General Insurance Company Limited is a joint venture between the TATA Group and the American International Group (AIG). TATA AIG General Insurance has been present in the insurance industry for nearly 2 decades now after commencing its operations on January 22, 2001. The company has become a household name for insurance needs with the help of its wide variety of products and unparalleled services over the years.
TATA AIG General Insurance offers a host of health insurance products ranging from health insurance plans for individuals, families, women, senior citizens to plans designed for specific diseases and critical illnesses. The insurer maintains tie-ups with more than 3,000 hospitals in its network of cashless hospitals to ensure a quick, easy and hassle-free claim settlement process for its customers.

How to Buy TATA AIG Health Insurance Policy at InsuranceDekho?

Policyholders can buy health insurance from TATA AIG Health Insurance through online and offline methods at InsuranceDekho.

Buy TATA AIG Health Insurance Plan Online at InsuranceDekho 

Follow the below steps to buy a TATA AIG health insurance policy at InsuranceDekho: 
Step 1: Visit the official website of InsuranceDekho, i.e., and select the ‘Health’ tab.
Step 2:  Select your Gender and enter your Name and Mobile Number. Enter the OTP received on the provided Mobile Number.
Step 3: Tell us when you wish to buy the health insurance plan. Click on the ‘View Instant Quotes’ button to proceed.
Step 4: Select the members of your family whom you want to include in the health insurance plan along with you. 
Step 5: Select the age of the family members you have added in the policy and click on the ‘Continue’ button.
Step 6: Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. Insurance policy quotes based on your selection will appear. Select an insurance plan which best suits your budget and requirements.
Step 7: Select the policy term of the selected health insurance policy. Fill the required details and make payment to complete the purchase process.

Buy TATA AIG Health Insurance Plan Offline at InsuranceDekho 

To buy a TATA AIG Health Insurance plan offline at InsuranceDekho, you can call us at 7551-196-989 between 9.30 AM to 6.30 PM (Monday-Sunday).
For any questions or assistance, please feel free to write to us at

Top TATA AIG Health Insurance Plan Types

TATA AIG Health Insurance offers a variety of health insurance plans. Following are the top health insurance plans offered by the insurance provider:

1. TATA AIG MediCare Health Insurance Plan: TATA AIG Medicare is a simplified and comprehensive health insurance plan. In addition to providing for in-patient, pre and post hospitalisation incurred in India, the plan also provides cover for medical expenses related to inpatient and daycare hospitalisation of the insured person incurred outside India, provided that the diagnosis was made in India. The TATA AIG Medicare Health Insurance plan also covers expenses incurred for Bariatric surgery for treatment of obesity and weight control. The plan also comes with a vaccination cover and compassionate travel cover which provides for expenses up to rs. 20,000 related to a round trip economy class air ticket, or first-class railway ticket, to allow the immediate family member to be at the insured person's bedside during his stay in the hospital.

2. TATA AIG MediPlus Health Insurance Plan: It is a top-up plan which provides extra coverage in times of medical emergencies for relaxed carefree life. The TATA AIG Mediplus top-up plan acts as a security umbrella that buffers the policyholder and their loved ones against any unforeseen medical situations. It covers everyone from a 91-day-old baby to those who are 65 years old. A  maximum of 7 people can be covered under this top-up plan. The plan covers expenses incurred for in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, organ transplant, day care procedures, dental treatments and domiciliary treatment. The key features of this plan include hassle-free claim process, easy portability, lifelong renewal as well as ambulance charges coverage of up to Rs. 2,000.

3. TATA AIG MediSenior Health Insurance Plan : It is a senior citizen health insurance plan which aims to ensure that the policyholder and their spouse have the right medical treatment and financial backup. This plan provides coverage for organ donation expenses, medical treatments availed at home, in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, and day care procedures. The policy also covers ambulance charges up to Rs. 2,000 per hospitalisation. You can renew the TATA AIG Medisenior policy lifelong and even increase your sum assured while enjoying hassle-free claim settlement.

4. TATA AIG Critical illness Health Insurance Policy: This plan provides insurance coverage for 11 critical illnesses namely  Heart attack, Cancer, Stroke, Open chest CABG, Kidney failure, Organ transplant, Bone marrow transplant, Blindness, Coma, Major burns, Multiple Sclerosis, and Paralysis. This plan also covers the expenses incurred in getting a second opinion regarding the critical illness from a doctor or a hospital. This plan also allows you to increase your coverage amount with its ‘Sum Insured Enhancement’ feature. A notable feature of the plan is that the entire coverage amount is given in a lump-sum. 

5. TATA AIG Wellsurace Woman Health Insurance Plan: This is a women-centric health insurance plan that takes care of everything for you, from a simple illness to a critical emergency. The TATA AIG Wellsurace Woman Health Insurance plan provides critical illness benefits,  in-hospital benefits for accidents,  in-hospital benefits for sickness, intensive care unit benefits as well as convalescence benefits. The plan also provides coverage for ambulance charges,  icu charges for 15 days, cosmetic reconstruction surgery along with value-added facilities like free health line, health portal, health query, discounted services for the health and wellness and e-news letter.

What Is a Health Insurance Top-Up Plan and Why Should I Buy It?

A health insurance top-up plan is like a regular health insurance policy that offers compensation against the medical expenses only after the threshold limit, known as deductible, of your existing policy gets over. It is an economical way to enhance the health insurance coverage instead of buying another health insurance plan. A top-up plan can be availed only after the deductible amount gets exhausted. All claims are treated individually under a top-up plan cover and multiple claims under the same policy period do not get aggregated. 

Why Choose TATA AIG Health Insurance?

TATA AIG Health Insurance offers a range of offerings to its customers. A few of them are as follow:
  • 3,000+ Cashless Hospitals - The insurer has tie-ups with more than 4,300 hospitals in its network where its policyholders can easily get cashless treatment. The wide strength of the cashless hospital network ensures easy and hassle-free cashless claim settlements.
  • Experience of Nearly 20 Years: TATA AIG General Insurance is a well-known name in the insurance industry. The insurer has maintained his presence in the segment for nearly 2 decades now. With its great service and products, the insurance company has been able to win the trust of millions of customers.
  • Good Claim Settlement Ratio:  The insurer registered a good claim settlement ratio of 76.04% for its health insurance claims in FY 2019-20.

Benefits of TATA AIG Health Insurance Plans

Following are the key health insurance benefit offered by the TATA AIG Health Insurance Plans: 
  • No Co-Payment: Co-payment refers to the share of the policyholder in the claim amount. The health insurance plans offered by TATA AIG do not have a co-pay component in them, thus policyholders are relieved from this liability.
  • Sum Insured Restoration Benefits:  In the case of medical emergencies, the sum insured of the TATA AIG health insurance plans can be restored after it gets exhausted.
  • LifeLong Renewal: Under the TATA AIG health insurance plans, no limit is placed as maximum age at the time of renewal of the policy. Thus, a policy enjoys lifelong renewability benefit with TATA AIG health insurance plans.

TATA AIG Health Insurance Claim Settlement Ratio

The Claim Settlement Ratio denotes a ratio of the number of health insurance claims settled out of the total health insurance claims received by an insurance provider during a financial year. Here are the figures of the health insurance Claim Settlement Ratio of TATA AIG Health Insurance for the last two consecutive years:

Financial Year

Claim Settlement Ratio 

FY 2018-2019


FY 2019-2020


(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

Network Hospitals of TATA AIG Health Insurance

The network hospitals are the clinics, hospitals or healthcare facilities associated with a health insurance provider. The policyholders of the insurers can avail cashless treatment at these network hospitals. In case of a cashless claim, the insurance provider pays the medical expenses of the insured person or policyholder directly to the network hospital after detailed verification. The TATA AIG Health Insurance has over 3,000 hospitals in its network.

TATA AIG Health Insurance Policy Terms

Following are the descriptions of the health insurance policy terms related to policy benefits and features provided by the TATA AIG Health Insurance Company. However, the conditions of these offerings may vary from plan to plan:

Minimum Age of Entry

91 days

Maximum Age of Entry

65 Years

Policy Renewal

Lifetime Renewability


Options of 10%, 20% available

Initial Waiting Period

30 Days

TATA AIG Health Insurance Claim Process 

The health insurance claim process is a procedure under which the policyholder raises a request for claim against his or her medical expenses incurred from the insurance provider. A health insurance claim can be processed in two ways namely cashless claim and reimbursement claim. 

Cashless Claim Process of TATA AIG Health Insurance 

When an insured member avails the medical treatment at a network hospital of his or her insurance provider, the claim is processed in a cashless manner, i.e., the insurer pays off the medical expenses directly to the hospital.
Here are simple steps to raise a cashless claim with TATA AIG Health Insurance: 
Step 1: Intimate the Insurer 
Inform TATA AIG Health Insurance about your hospitalisation at least 48 hours prior to your admission in the hospital, in case of planned hospitalisation. You can inform the insurer within 24 hours of admission, in case of emergency hospitalisation by calling 1800 266 1363. 
Step 2: Pre-Authorisation Request
Policyholders should submit a complete report of the disease, treatment details along with necessary certification from the doctor or hospital. 
Step 3: Verification of Documents
The network hospital will share the documents with the insurer. The documents provided will be verified by the insurer’s claim settlement team. 
Step 4: Claim Approval
The claim settlement team of the insurer can ask for more information or reports during the verification process. Depending on the verification process, the claim would be accepted or rejected.
Step 5: Settlement of Claim
If the claim request gets approved, the insurer shall issue pre-authorization to the network hospital for a cashless facility and pays for the admissible claim amount. 

How to Make a TATA AIG Health Insurance Reimbursement Claim?

Whenever a policyholder gets treated at a hospital which is not a network hospital of TATA AIG Health Insurance, the policyholder will be required to settle the bills themselves. The bills will be later reimbursed by TATA AIG Health Insurance subject to the sum insured and terms of the policy.
Following are the simple steps to raise a health insurance reimbursement claim request with TATA AIG Health Insurance;
Step 1: Get the Medical Treatment 
Get medical treatment at the non-network hospital of your insurance provider and make the complete payment for hospital bills and other expenses. Gather all the bills, receipts, documents, reports, etc. 
Step 2: Submit Necessary Documents
Send all the relevant documents listed in the policy terms to the insurance provider after discharge from the hospital. 
Documents Required for TATA AIG Health Insurance Reimbursement Claim:
  • Duly completed claim form
  • Original bills, receipt and discharge certificate from the hospital
  • Original cash memos from hospital or chemists with proper prescriptions
  • Original receipt and pathological test reports with proper prescriptions
  • Surgeon’s report stating nature of operation performed with original bill and receipt
  • Attending doctor’s or specialist’s original bill and receipt with the report of diagnosis
  • Medical history or summary of the insured individual
  • Original bills & receipts for claiming ambulance charges
Step 3: Verification of Documents 
The insurance provider will carry out a verification process to ascertain the information or documents provided. They may even ask for some more information or reports or documents for the verification. 
Step 4: Claim Settlement 
On finding all the reports and medical documents accurate and valid, the insurance provider will accept the claim request of the insured person and will reimburse the complete admissible amount of claim after the relevant deductions. 

TATA AIG Health Insurance Renewal Process

The renewal process makes the policyholder to continue to avail the features and benefits of the plan of the TATA AIG Health Insurance. The process allows the insured persons to modify the health insurance plans such as change in sum insured, opt for add-ons, and so on, which helps them stay protected in a better manner. 
You can call TATA AIG General Insurance at 1800 266 1363 to renew your health insurance plan.

TATA AIG Health Insurance Tax Benefits

The premium paid on health insurance plans offered by TATA AIG Health Insurance qualify for tax benefits subject under section 80D of the Income Tax Act. Following are the tax benefit details which can be availed with the TATA AIG Health Insurance Plans:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


When Policyholder and Parents are below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When Policyholder and family members are below 60 years with parents above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When Policyholder, family members and parents are above 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of HUF

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

TATA AIG Health Insurance Premium Calculator 

The premium amount of a health insurance plan depends on a number of factors.The understanding of these elements can help you select a better health insurance policy as per your budget and requirements. Following are some of the factors that impacts the premium of TATA AIG Health Insurance Plans:
  • Sum Insured - When policyholders choose for a high sum insured amount, the insurer has to offer a higher coverage to them. Therefore, a higher premium amount is charged for a higher sum insured. 
  • Age - The premium of a health insurance policy generally increases with the age of the policyholders. This is because, at a higher age, people are more vulnerable of contracting diseases rather than early stages of life. Hence, the age of the policyholder influences the amount of premium of health insurance plans. 
  • Body Mass Index (BMI) - People with abnormal Body Mass Index (BMI) hold higher chances to contract a disease or illness such as diabetes, hypertension, etc. It enhances the possibility that insurers will have to meet claims for their medical expenses. Hence, policyholders with higher or lower BMIs have to pay a relatively higher premium compared to policyholders with normal BMIs.
  • Bad Habits - Policyholders who smoke, drink, chew or consume alcohol, tobacco or any other harmful substance are more likely to get diseases and thus, a higher premium is charged to them for health insurance plans.
  • Family Medical History - The presence of medical history of the family relating to specific illnesses or diseases such as cancer, cardiovascular diseases, diabetes etc increases his or her chances of getting suffered to such illnesses sometimes in future. Thus, a family's medical history is a determinant of the premium amount of a health insurance premium.

What All Is Covered Under TATA AIG Health Insurance Policies?

Policyholders can avail the following inclusions under the health insurance policies of TATA AIG Health Insurance:
  • In-Patient Hospitalisation - It is a cover under which insurers offer coverage for medical expenses incurred due to hospitalisation for at least 24 hours for the treatment of injuries or illnesses. This coverage includes room or boarding costs, doctor’s fees, nursing expenses, cost of medicines, medical test costs, etc. 
  • Pre-Hospitalisation and Post-Hospitalisation Costs - These are the medical expenses incurred on the treatments and medications of the insured person before and after the hospitalisation for the same illness or injury for which hospitalisation is done. The TATA AIG health insurance plans provide cover for pre-hospitalisation and post-hospitalisation expenses.  
  • Domiciliary Hospitalisation - Under this head, coverage if provided for the medical expenses incurred for the treatment taken at home. The treatment at home is eligible only in necessary cases such as unavailability of bed in a hospital or if the patient is not in a condition to be moved to a hospital. 
  • Daycare Procedures - Daycare treatment refers to medical treatment, and/or surgical procedure undertaken under general or local anesthesia in a hospital/daycare center in less than 24 hours because of technological advancement. These treatments are covered under TATA AIG health insurance plans. Please note that cosmetic treatments do not qualify as daycare procedures.
  • AYUSH Treatment - The benefit covers medical treatment for Ayurveda, Unani, Siddha, and Homeopathy in a government hospital or in any institute recognized by the Government and/or accredited by Quality Council of India or National Accreditation Board on Health. 

What All Is Not Covered Under TATA AIG Health Insurance Policies?

Policyholders can not avail the following exclusions under the health insurance plans of TATA AIG Health Insurance: 
  • Self-Inflicting Actions - Treatment costs of injuries or illnesses suffered due to the act of self-destruction or self-inflicted, attempted suicide or suicide will not be covered.
  • Abuse of Drug or Alcohol -   Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs, and alcohol or hallucinogens are not covered. 
  • Vaccination Costs - Cost of all the preventive care vaccinations including inoculation and immunizations, other than for post-bite treatment or if used as a part of the treatment, will not get the coverage. 
  • War-Like Conditions - No coverage is offered for injuries or illnesses incurred during a war or any act of war, invasion, act of a foreign enemy, war like operations, civil war, riots, and so on.  
  • Mental Disorders - The expenses incurred on the treatment of mental illness, stress, psychiatric or psychological disorders will not be compensated. 
The inclusions and exclusion mentioned-above may vary across TATA AIG health insurance plans.


Tata AIG Health Insurance Plan List

Name of PlanSum Insured
Corona Kavach PolicyMin: 18 years; Max: 65 years50,000 - 5 lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
MediSeniorMin: 61 years; Max: No limit2 Lakh Get Quotes Now
MediRakshaMin: 91 Days; Max: 65 Years50 Thousand Get Quotes Now
MediCare PremierMin: 91 Days; Max; 65 Years5 Lakh Get Quotes Now
Wellsurance WomanMin: 18 years; Max: 65 years3 Lakh Get Quotes Now
Wellsurance FamilyMin: 6 months; Max 65 years2 Lakh Get Quotes Now
MediPrimeMin: 91 days; Max: 65 years2 Lakh Get Quotes Now
Wellsurance Executive Policy Min: 18 Years; Max: 65 Years3 Lakh Get Quotes Now
Critical Illness PolicyMin: 18 Years; Max: 65 Years2.5 Lakh Get Quotes Now
MediCare Min: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

Tata AIG Health Insurance Top Up List

Name of PlanSum Insured
MediPlusMin: 91 Days; Max: 65 Years5 lakh Get Quotes Now

Claim Process at Tata AIG Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

1394 Tata AIG Cashless Network Hospitals in India

Tata AIG Health Insurance User Reviews

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What users are saying
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  • Appreciable green initiative

    Going paperless is a way of taking up the green initiative. All the services delivered by the website are free...

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    MediCare Premier
    By Iman Basu
    On: Mar 04, 2021
  • Customised suggestions

    I received personalised suggestions easily on my WhatsApp when I contacted the InsuranceDekho website for a su...

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    Arogya Sanjeevani Policy
    By Jamini Manna
    On: Nov 03, 2020
  • Nice plan at low rates

    I was hesitant about buying this TATA AIG MediRaksha plan. When insurancedekho team told me about this plan an...

    Read More
    By Gautam Shukla
    On: Oct 29, 2020
  • Superb policy

    I have purchased Tata AIG Corona kavach policy a few months back from insurancedekho platform. The policy cove...

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    Corona Kavach Policy
    By Ritika Kunwar
    On: Oct 21, 2020
  • Beneficial plan for families

    I bought this Arogya Sanjeevani Policy for my family from InsuranceDekho platform on the recommendation of the...

    Read More
    Arogya Sanjeevani Policy
    By Tushar Jain
    On: Jun 18, 2020
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Tata AIG Health Insurance FAQs

  • How to buy and apply for TATA AIG health policy?

    You can buy and apply for any TATA AIG Health Insurance Policy online from the official website of TATA AIG Health Insurance at or through online broker’s website like

  • Why should I buy a TATA AIG Health Insurance Policy?

    TATA AIG Health Insurance provides a comprehensive health insurance plan along with varied add-on features and benefits.

  • What is the toll free customer care number of TATA AIG Health Insurance?

    The 24x7 toll-free helpline number of TATA AIG Health Insurance is 1800-266-7780.

  • What is the Claim Settlement Ratio of TATA AIG Health Insurance?

    TATA AIG Health Insurance had a Claim Settlement Ratio of 76.04% in the financial year 2019-20.

  • How to pay a premium for TATA AIG Health Insurance?

    TATA AIG General Insurance Company offers 2 modes of premium payment, viz., 1)Cash payment at the branch. 2)Online payment. For the online payment, the policyholder can pay via- 1.Credit Card 2.Debit Card 3.Net Banking

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