TATA AIG General Insurance Company Limited
TATA AIG MediCare LITE
TATA AIG's entry-level/budget-segment health plan
UIN TATHLIP24132V012324We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹20 lakh
Claim settlement (CSR)
96%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 180 days
Network hospitals
—
Free look
15 days
What this plan does well
- BUDGET-SEGMENT — 'LITE Price' for cost-conscious buyers
- Pre/Post 60/180 — STRONG (matches premium-segment plans)
- Cumulative Bonus 50%/yr max 100%
- Day Care + AYUSH + Domiciliary + Organ Donor all up to SI
- Bariatric Surgery up to SI
- In-Patient Dental Treatment up to SI
- Vaccination Cover ₹5K/yr over SI
- Hearing Aid every 3rd year ₹10K max
Watch out for
- PROPORTIONATE DEDUCTION on higher room category — DEALBREAKER for buyers paying for premium rooms
- 20% senior co-pay (61+ entry) on EVERY claim
- 30% CO-PAY for OUT-OF-NETWORK treatment (Valued Provider Pan India network is narrower)
- Restore Benefit ONCE per Policy Year (vs unlimited in premium plans)
- Maternity NOT covered
- Cover bands capped at ₹20L (no higher SI option)
- Free Look 15 days
- Daily Cash benefits ONLY at Valued Provider Pan India network
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.