Insurance Company
Tata AIG General Insurance
Policy Name
MediCare Premier
Expert Overview -
Tata AIG commenced operations in 2001 and combines Tata Group’s trust with AIG’s global insurance expertise. Over the years, it has built a stable and well-recognised health insurance portfolio.
Plan Strategy -
Premium individual and family floater health insurance policy offering high-end healthcare coverage with extensive benefits, suitable for affluent individuals and families.
Network Hospitals
12,000+
>8,500 recommended
Claim Ratio
89.23%
>95% recommended
Complaints
10.524
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
No room rent capping
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
No sub limit applicable
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
90 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
