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  • TATA AIG Health Insurance

    Tata Aig Health Insurance
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Tata Aig General Insurance Company Limited (Tata Aig General) is a joint venture between Tata Group and American International Group, Inc. (AIG). The Tata Group holds 74 per cent stake in the insurance venture with AIG holding the balance 26 percent. Tata Aig General Insurance Company, which started its operations in India on January 22, 2001, provides insurance solutions to individuals and corporate.

    TATA AIG Health Insurance at a Glance

    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 5 family members with up to 2 adults and 3 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Health check-up up to 1% of the Sum Insured per Policy subject to a maximum of Rs. 5,000 per Insured Person once at the end of a block of every continuous four claim free years

    * For a family health cover product.

    Critical Factors of the Plan

    Not a paisa goes from your own pocket!


    No Co-pay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    In-patient expenses including room rent, ICU, nursing, medicines drugs & consumables covered without any sub-limits

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of TATA AIG Health Insurance

    Good health offers multiple rewards

    You get a Cumulative Bonus of 10% for every claim-free year accumulating up to 50%.

    The world is your healthcare oyster

    Cashless hospitalization at 3000+ hospitals

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.


    TATA AIG Insurance

    Tata AIG General Insurance Company Limited is a joint venture between two internationally known organizations- India’s Tata Group (74% stake) and the American International Group Inc (AIG- 26% stake). The former is one of the most recognizable brand names in India while the latter is a global leader in insurance and financial services. The company began its operations in India on January 22, 2001 and has quickly risen to be a preferred insurer for both individuals and Corporates.

    TATA AIG Insurance offers a wide range of insurance products in the following domains- Motor, Health, Home, Travel, and Lifestyle as well a number of specialized financial specialities. The company boasts of a strong claims settlement service and promotional strength and accessibility through such mediums as Tele Marketing, Digital Marketing and other online and offline mediums.

    TATA AIG General Insurance Company markets the following Health Insurance products

    1. MediPrime
    2. Wellsurance Executive
    3. Wellsurance Family
    4. Wellsurance Woman
    5. Critical Illness Policy
    6. Individual Accident & Sickness Hospital Cash
    7. MediPlus
    8. MediSenior
    9. MediRaksha
    10. Group Accident and Sickness Hospital Cash Policy

    Looking at each Health Insurance product individually,


    Cashless claims acted upon in less than 4 hours. Save on taxes too. The MediPrime plan is completely transparent with zero sub-limits on health expenses.

    Benefits at a Glance

    Avail Pre & Post hospitalization, 30 days before and 60 days after hospitalization. Ayush Benefit- Coverage for non- allopathic in-patient treatments like Ayurveda, Unani etc.

    Wellsurance Executive

    A robust health insurance for the busy executives of today. While you take care of your goals, this policy takes care of your health.

    Benefits at a Glance

    Coverage for 9 commonly seen critical illnesses, avail benefit amount for specified major and minor surgical procedures, convalescence benefits etc.

    Wellsurance Family

    This policy is designed to take care of each member of your family medically, to avoid straining your finances during emergencies and give you complete peace of mind.

    Benefits at a Glance

    Coverage for 11 critical illnesses, convalescence benefit, children’s education benefit in case of death/disability of family’s bread winner, higher daily cash cover if a family member is admitted to the ICU.

    Wellsurance Woman

    A policy that is specifically designed for the hard working woman of today, helping to manage her health insurance needs as well as ensuring her wellbeing in other spheres of her life.

    Benefits at a Glance

    Coverage for 11 common critical illnesses, max benefits in case of cancer, convalescence benefits, cosmetic reconstructive surgery benefits in case of accidental injuries.

    Critical Illness Policy

    In today’s busy world, critical illnesses have become a common occurrence that could strike anyone at any time. Stay protected financially with this policy that is designed for such unseen, unexpected medical emergencies.

    Benefits at a Glance

    Coverage for 11 critical illnesses, free second opinion where required.

    Individual Accident & Sickness Hospital Cash

    This policy serves as a supplement for your current health insurance policy, proving its worth in situations wherein hospitalizations could extend to long durations, unexpected expenses might crop up or specialised treatments might be required.

    Benefits at a Glance

    Hospitalization expenses upto Rs.5000/day, accident hospital cash benefit of upto Rs.10000/day, accident reimbursement benefit of upto Rs.25000.


    This is a top-up health insurance plan that enhances your current health insurance with a higher total coverage at an affordable premium.

    Benefits at a Glance

    Avail cashless hospitalization at 3000+ network hospitals across India, complete waiver of deductible, pre-policy medical examination isn’t mandatory for persons under 45 years of age.


    A health insurance policy for the senior citizens to help them take care of unexpected medical expenses without completely depleting their hard earned retirement savings.

    Benefits at a Glance

    Avail cashless hospitalization at 3000+ network hospitals across India, be rewarded with ‘No Claims’ discount at subsequent premium payments, coverage for 140 Day Care treatments.


    A basic medical insurance policy that is aimed at helping you take care of unexpected illness, medical emergencies, hospitalization and surgical treatments when it comes to you and your family.

    Benefits at a Glance

    Affordable rates, timely claims settlement, no pre-policy medical tests for persons under 55 years of age, renewal incentive includes free health check-up, upto 10% discount if 2 or more members of the family are covered under the same policy on individual sum insured basis.

    Group Accident and Sickness Hospital Cash Policy

    Our fast paced lifestyle makes us vulnerable to various physical and mental health problems, accidents etc. For example, sedentary lifestyles have made us susceptible to various types of disease such as diabetes, obesity, heart disorders etc. Road accidents and health problems are on the rise. As result we frequently find ourselves seeking medical assistance for such problems. Given the alarming rise in medical costs, Tata AIG General Insurance Company offers a unique health insurance policy called “Tata AIG Group Accident and Sickness Hospital Cash Policy” to help you cover your health and accident related expenses. You can purchase this policy at affordable rates to get accident health insurance cover and sickness health insurance cover.

    Features & Benefits:

    • Get daily cash benefit which will take care of any unforeseen financial burden such as hospitalization due to injury, accidents and disease.
    • No medical examination is required.
    • Get hospitalization cash up to 180 days in case of accidents/ sickness.
    • Tax benefits as per section 80D of the Income Tax Act, 1961.
    • Get lifelong renewal by paying premium without any break.
    • Free look period to review and cancel your policy if it does not serve your purpose. However, this needs to be done within 15 days from the receipt of the policy. Free look provision is not available at the time of renewal of your policy.
    • Get 30 days of grace period to renew your policy.
    • Changes/modification in the policy will be intimated to the policyholder 3 months prior.
    • Option to migrate to similar health Insurance policy is available.
    • The policyholder will be informed about the possible withdrawal of the policy 3 months prior to expiry of the policy.
    • Accident medical expense repayment is available by using which you can get your daily medical bills reimbursed for accidental injuries with/without hospitalization.
    • Enjoy coverage up to 100% for you and your spouse, and 50% for your children.

    Who can buy this?

    Any individual aged between 18 and 65 can buy this health insurance policy offered by Tata AIG General Insurance Company. You can renew this policy to get uninterrupted accident and sickness coverage by paying premiums without any break.

    Key Features & Benefits of TATA AIG Health Insurance

    1. Pre-policy medical examination isn’t mandatory for persons under 50 years of age or for sum assured below Rs.5 lakh.
    2. Zero Sub-limits on expenses covering inpatient treatment, day care procedures, domiciliary treatments and organ donor expenses.
    3. Lifelong renewal (provided premiums are paid without any breaks).
    4. Save taxes as per Section 80D of the Income Tax Act.
    5. Avail cashless hospitalization at 3000+ hospitals across India.
    6. In case of a claim, the subsequent renewal will not include any compensatory loading.
    7. Free Look Period. Don’t like the policy? Return it back in 15 days for a full refund.
    8. 30 days grace period is provided for renewing the policy.
    9. An option to enhance the sum insured, at the time of policy renewal.
    10. Options available to migrate your health insurance policy to any other insurer.
    11. Important updates like likelihood of withdrawal of product or revision to the terms of the policy will be intimated 3 months in advance to the policy holder.
    12. Ayush Benefits- Inpatient Ayurveda, Unani, Sidha or Homeopathy treatments to the maximum of Rs.25000.
    13. For the completion of four claim free years, you are awarded a FREE health check-up worth 1% of the sum insured to a maximum of Rs.5000.
    14. Emergency Ambulance- Upto Rs.2500 per hospitalization.

    Incidents Not Covered by TATA AIG Health Insurance

    1. War or wartime conditions.
    2. Intentional self-injury, suicide attempt (sane or insane), committing a breach of law.
    3. Participation in naval, military or air-force operation.
    4. Participation in dangerous sports like racing, scuba-diving, parachuting etc.
    5. Substance abuse including Alcohol, Drugs and smoking cessation programs.
    6. Weight control programs and treatments for obesity.
    7. Congenital conditions, psychiatric mental disorders, Parkinson’s, Alzheimer’s etc.
    8. Acquired Immune Deficiency Syndrome (AIDS) and similar sexually transmitted diseases.
    9. All conditions concerning pregnancy, maternity and birth.
    10. Treatment for infertility, sterility or similar treatments.
    11. Plastic or cosmetic surgery.
    12. Experimental, investigational and/or untested treatments.
    13. All preventive care, vaccination including inoculation and immunizations.
    14. Hospitalization charges that aren’t explicitly mentioned as being covered, including admission charges, discharge, administration, registration etc.
    15. Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed.

    In conclusion, TATA AIG Health Insurance offers a number of benefits that should ensure that you and your family are covered against the medical uncertainties of life. Coming from an internationally renowned entity as TATA AIG the quality of services offered are world class, highly customer centric and immediately affordable. Check out the health insurance products offered by TATA AIG TODAY!

    Tata AIG health Insurance FAQs

    1. What are the benefits of Hospital Cash policy by Tata AIG?
    2. Some of the key benefits of this health insurance policy by Tata AIG are listed here:

      • Zero documentation
      • Instant coverage
      • No Medical Examination
      • Income Tax benefit under section 80D
      • Daily cash benefit

    3. What is Hospital Cash?
    4. This policy can be viewed as an extension to the Health insurance policies. This allows you to deal with cash expenses that are required during hospitalization.

    5. Is there tax benefit on Health Insurance schemes by Tata AIG?
    6. Yes. Tax exemption is available under section 80D of the Income Tax Act.

    7. What is the maximum and minimum policy duration?
    8. Most policies come for a whole year after which they are to be renewed. However, certain policies also offer two years renewal period.

    9. Are diagnostic charges covered under Health Insurance?
    10. Yes. Diagnostic tests like MRI, CT-Scan etc. are covered under the medical insurance schemes.

    11. Can I cancel my policy midway?
    12. Yes. Policy can be revoked mid-way.

    13. Is Health Insurance different from Life Insurance?
    14. Health Insurance is a scheme that is availed in order to cover you against any sicknesses and the resulting medical expenses. There is no maturity period or amount and a medical insurance needs to be renewed every year usually. However, Life Insurance is to keep your family and loved ones financially covered, in case of untimely death of the policy holder or some serious permanent disability. Life Insurance has a maturity period after which a maturity amount is paid to the insurance customer.

    15. Is Health Insurance required if I am young and Healthy?
    16. Yes. Health Insurance keeps you protected in case of sudden injury due to accident as well as against a host of serious sicknesses. No one knows when a medical urgency may arise. Also, Health Insurance takes care of heavy expenses that are made in case a serious medical emergency occurs.

    17. I have a Health Insurance scheme from my Employer, do I still need a personal Health Insurance policy?
    18. Yes. The Health Insurance policy issued by your Employer is usually non-transferrable, and hence you might face issues during job change. Also, medical records are maintained more efficiently in case a single health insurance policy is continued. Hence, it is advised to have a private policy too in addition with the company provided insurance scheme.

    19. Does this policy cover maternity/pregnancy covered as a part of Health Insurance Schemes?
    20. No. However, company provided group insurance schemes generally cover maternity too.

    21. Are diagnostic charges covered in Health Insurance?
    22. Yes. Diagnostic tests like MRI, CT-Scan etc. are covered under the medical insurance schemes.

    23. Are homeopathy and naturopathy covered?
    24. No. These treatments are not covered under a standard policy.

    25. Can I buy more than one health policy?
    26. Yes. In that case, both health policies will share equally (up to the sum assured) the claim among themselves and pay out your medical expense.

    27. What happens to the policy once a claim is made?
    28. The policy will continue normally, however, whatever is the amount of claim made that would be reduced from the sum assured. For e.g. a policy of 5 lakhs will be reduced to 3 lakhs in case a claim of 2 lakhs has already been made.

    29. What are the documents required for getting a Health Insurance policy?
    30. None. Only basic documents such as ID proof are required at the time of making a claim.

    Examples of Network Hospitals in Major Cities


    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

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