Tata AIG
Medicare Select
Fully Customizable Health Insurance
Coverage
Up to ₹3 Crore
Starting Premium
₹6,999/year
Rating
4.5
Key Features
Fully Customizable
Build your own plan with 7+ add-ons and riders tailored to your needs.
Restore Infinity Plus
Unlimited restoration of sum insured within the policy year.
Extended Pre & Post Cover
90 days pre-hospitalization and 90 days post-hospitalization coverage.
Maternity Coverage
Maternity benefits with 1-year waiting period option available.
Daily Cash Benefit
Get up to ₹1,500 per day during hospitalization.
Cumulative Bonus
Earn 50% to 100% bonus on renewal for claim-free years.
Maternity Benefits
See official prospectusWhat's typically covered
- ✓Maternity add-on available (waiting period applies)
- ✓Delivery expenses (normal / cesarean) as per plan sub-limits
- ✓Pre- & post-natal expenses as per policy terms
- ✓Newborn baby cover from birth (if opted) up to first renewal
- ✓Vaccination cover for newborn (if opted)
Important notes
- !PED waiting period: 3 years (may reduce with policy porting)
- !Eligibility criteria and scope vary by plan option
- !Refer prospectus for exact limits, list of inclusions/exclusions
Add-ons & Riders
Full list in prospectusConsumables Benefit
Covers listed non-medical items during hospitalization.
Daily Cash Benefit
Fixed per-day cash during hospitalization (limits apply).
Organ Donor Cover
Medical expenses for organ donor as per policy terms.
Restore Infinity Plus
Unlimited sum insured restoration within policy year.
Health Check-up Upgrade
Enhanced preventive screening benefits for members.
Personal Accident / CI Rider
Optional riders for PA and listed critical illnesses.
Note: Availability, waiting periods, and limits vary by option. Please confirm with the prospectus and an advisor.
What's Covered
Inclusions
- ✓In-patient hospitalization expenses
- ✓Comprehensive day-care procedures
- ✓Pre & post hospitalization (90+90 days)
- ✓Domiciliary treatment (home healthcare)
- ✓AYUSH treatments covered
- ✓Ambulance cover within 50 km
- ✓Organ donor expenses
- ✓Consumables benefit
- ✓Modern treatments and procedures
- ✓Health check-ups
Exclusions
- ✗Pre-existing diseases (3-year waiting period)
- ✗Specific diseases (2-year waiting period)
- ✗Cosmetic or plastic surgery (unless medically necessary)
- ✗Self-inflicted injuries
- ✗War or nuclear risks
- ✗Congenital diseases (unless covered by rider)
- ✗Dental treatment (unless due to accident)
- ✗Non-allopathic treatment (except AYUSH)
Network & Support
12,000+
Network Hospitals
Instant
Policy Issuance
Up to 25%
Discounts Available
Eligibility Criteria
Age Limits
- Adults: 18 - 65 years (entry age)
- Children: 91 days - 25 years
- Renewal: Lifelong
Policy Options
- Individual & Family Floater options
- Sum Insured: ₹3 Lakh to ₹3 Crore
- Policy Term: 1, 2, or 3 years
Based on 18,500+ customer reviews
Rajesh Kumar
Delhi • Sep 15, 2023
Excellent customization options! I could tailor the plan exactly as per my family needs. The claims process was smooth and hassle-free.
Priya Singh
Mumbai • Aug 22, 2023
The unlimited restoration benefit is truly amazing. My claim was approved within 48 hours and the cashless process was seamless.
Amit Patel
Bangalore • Jul 10, 2023
Transparent about benefits, but the 7+ add-ons options can be overwhelming. Instant issuance is impressive. Took some time to understand which add-ons best suit my needs.
Sneha Deshmukh
Pune • Jun 18, 2023
Great maternity and daily cash benefits! Overall solid plan with good coverage. Only minor concern: renewal premium increased more than expected, but policy is still competitive.
Customer reviews are verified by Tata AIG Health Insurance
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