Overview
The TATA AIG Medicare Protect plan is a health insurance policy offering sum insured options from ₹2 lakhs to ₹5 lakhs. Key features include 100% automatic restoration of the base sum insured, coverage for daycare procedures, and domiciliary treatment benefits. It also covers pre- and post-hospitalization expenses (30 and 60 days), organ donor expenses, and provides a cumulative bonus of a 10% increase up to 100% of base SI for claim-free years. Room rent is covered for shared accommodations, with a 10% co-payment for higher categories. However, do note that Tata AIG Medicare Protect has been discontinued. Generally, when a company withdraws a product, it is no longer available for new business or purchase. However, existing policyholders are typically given the option to either migrate to an upgraded or alternative plan within the same company, or to port their policy to another insurer altogether. Since the withdrawal took effect on 5th September 2024, it is likely that TATA offered similar options to its existing customers. And in case you need help in migrating or choosing another plan, you can always feel free to contact insurance experts at Ditto Insurance.
Experts Review

Written by Nikhil Nair
Senior Writer

The TATA AIG Medicare Protect plan is a budget-friendly health insurance solution that offers essential coverage with a focus on affordability. Its 100% restoration benefit ensures financial security during multiple claims, while the cumulative bonus incentivizes claim-free years. The plan's domiciliary treatment coverage adds convenience for home-based care, which is particularly beneficial for elderly individuals or those preferring treatment at home.
Compared to the Medicare and Medicare Premier variants, the Medicare Protect plan offers lower sum insured options and lacks advanced features like global cover for planned hospitalizations or high-end diagnostics available in the Premier version. However, it is more affordable, making it suitable for budget-conscious buyers.
Another limitation is a 10% co-payment for higher room categories. Additionally, the plan does not cover modern treatments like bariatric surgery or vaccination expenses, which might be a drawback for some policyholders.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
Maternity benefits not offered, which is a notable gap.
Doctor consultations are not covered, which could be a drawback for some.

TATA AIG
Key Insights
Founded
2001
TATA AIG was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
89% claims settled in 30 Days
TATA AIG settles 89% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,000+
TATA AIG maintains a moderate network of 11,000 hospitals, offering reasonable coverage across key locations.
Complaints
11 complaints per 10,000 claims registered
TATA AIG experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won ’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Tough luck if you are thinking about opting for a single private room. Because the policy only lets you stay in a shared room. If you still want to pick a better room, then be ready to pay a lot more when the final bill shows up.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Add-ons
Personal Accident Cover
Paid out as a lump sum of 100% of sum insured for Accidental Death upto defined limits.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Stem cell therapy; however hematopoietic stem cells for bone marrow transplant for haematological conditions will be covered under benefit B1 or B4 of this policy.
Growth hormone therapy.
Admission primarily for administration of Intra-articular or intra-lesional injections or Intravenous immunoglobulin infusion or supplementary medications like Zolendronic Acid.
Venereal disease, sexually transmitted disease or illness.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Piles, fissures, and fistula-in-ano
Benign prostatic hypertrophy
Sinusitis and related disorders
Treatment for menorrhagia, fibromyoma/myoma, and prolapse of uterus
Hernia of all types
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take

◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Maternity benefits not offered.
Doctor consultations are not covered.

Still confused?
Talk to our expert
advisor for
instant clarity
Frequently Asked Questions
Does Medicare Protect have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Medicare Protect have room rent restrictions?
Does Medicare Protect offer a restoration benefit?

TALK TO OUR ADVISORS
Get real help from advisors who listen, guide and go the extra mile for you.