Tata AIG General Insurance Company Limited
MediCare Premier
UIN TATHLIP21257V022021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
99%
PED waiting
24 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 90 days
Network hospitals
12,000+
Free look
15 days
What this plan does well
- 24-month PED waiting (vs 36 industry standard) — DEALBREAKER ADVANTAGE
- Lifelong renewability — no exit age cap
- GIRL CHILD INCENTIVE: ₹60K maternity (vs ₹50K standard), ₹15K vaccinations (vs ₹10K) — DISTINCTIVE
- Global Cover (outside India, diagnosis in India) up to SI
- Bariatric Surgery built-in with BMI eligibility
- In-patient Dental (accident/injury/illness)
- Hearing aid every 3 years (50% / ₹10K)
- High End Diagnostics ₹25K (PET CT, DSA, MRI Cholangiography, etc.)
Watch out for
- 4-year (48 month) maternity waiting — longer than premium plans (24-36)
- Newborn complications only ₹10K (sub-limited)
- OPD only triggers AFTER 2 years of continuous coverage
- Room rent capping not explicit in CIS — needs verification
- Free Look only 15 days (vs 30 in Bajaj/Star)
- CB reduces 50% if claim made (industry standard but worth noting)
- Cover bands lower ceiling than Super Star (1Cr max vs 3Cr)
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.