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Tata AIG · TATHLIP26052V052526

Tata AIG MediCare Premier

Tata AIG MediCare Premier (IRDAI UIN TATHLIP26052V052526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 3 crore (10 options). Pre-existing diseases are covered after 2 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Tata AIG MediCare Premier is a health insurance plan from Tata AIG. Key specifications: plan type Individual and family floater, room rent No room rent sub-limit stated (In-patient Treatment up to Sum Insured), pre-existing disease waiting 24 months.

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Plan type
Individual and family floater
Room rent
No room rent sub-limit stated (In-patient Treatment up to Sum Insured)
Pre-existing disease waiting
24 months

Pros

  • Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • No co-payment on claims
  • No room-rent cap

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore
Highest sum insured 300 lakh
Entry age 91 days to 65 years
Room rent No room rent sub-limit stated (In-patient Treatment up to Sum Insured)
Co-payment None

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 24 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Additional amount equivalent to base Sum Insured, restored once during the policy year
No-claim bonus Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
Maternity Covered: Rs 50,000 (Rs 60,000 girl child) for SI up to 50 lakh; Rs 1,00,000 (Rs 1,20,000 girl child) above; 3-year waiting period
OPD Covered after 2 years of continuous coverage: up to Rs 5,000 per policy year (SI up to 50 lakh) to Rs 20,000 (SI 300 lakh)

Insurer

Health incurred claim ratio (insurer) 76.24%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 13,000+
IRDAI UIN TATHLIP26052V052526

About the MediCare Premier

Tata AIG MediCare Premier (IRDAI UIN TATHLIP26052V052526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 3 crore (10 options). Pre-existing diseases are covered after 2 years. It is one of 53 health insurance plans on Comparezi, from Tata AIG.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore
  • Entry age: 91 days to 65 years
  • Room rent: No room rent sub-limit stated (In-patient Treatment up to Sum Insured)
  • Co-payment: None

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 2 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Additional amount equivalent to base Sum Insured, restored once during the policy year
  • No-claim bonus: Cumulative Bonus 50% of base SI per claim-free year, max 100% (50% decrease after a claim) OR 1% discount in renewal premium
  • Maternity: Covered: Rs 50,000 (Rs 60,000 girl child) for SI up to 50 lakh; Rs 1,00,000 (Rs 1,20,000 girl child) above; 3-year waiting period
  • OPD: Covered after 2 years of continuous coverage: up to Rs 5,000 per policy year (SI up to 50 lakh) to Rs 20,000 (SI 300 lakh)

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 1 has a shorter one and 7 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Tata AIG does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Tata AIG's health incurred claim ratio was 76.24% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Tata AIG states a network of 13,000+ hospitals.

Similar plans from other insurers

Other health insurance plans from Tata AIG

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the MediCare Premier

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  • Individual and family floater Plan type
  • SI 3 Lac to 10 Lac: Single Pvt AC Room; above 10 Lacs SI: Actuals (other options selectable) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Generali Central

Health Unlimited

  • Individual and family floater Plan type
  • Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹13,006 a year*

ICICI Lombard

Health AdvantEdge

  • Individual and family floater Plan type
  • 1% of Annual Sum Insured for SI up to Rs 4 lakh; no room rent capping for SI of Rs 5 lakh and above Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

IndusInd General

HealthGain

  • Individual and family floater Plan type
  • Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

Tata AIG

MediCare

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare Select

  • Individual and family floater Plan type
  • Single Private Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the MediCare Premier

Questions

MediCare Premier FAQs

It depends on your age, cover, city and options. Tata AIG does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

TATHLIP26052V052526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

2 years, as stated by the insurer.

Room rent as stated by the insurer: No room rent sub-limit stated (In-patient Treatment up to Sum Insured).

Co-payment as stated by the insurer: None.

Maternity as stated by the insurer: Covered: Rs 50,000 (Rs 60,000 girl child) for SI up to 50 lakh; Rs 1,00,000 (Rs 1,20,000 girl child) above; 3-year waiting period.

60 days before and 90 days after hospitalisation.

5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 2 crore, 3 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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