Overview
TATA AIG MediSenior is a health insurance plan exclusively designed for senior citizens aged 61 and above, offering lifelong renewability with no exit age. It provides coverage options of ₹2, ₹3, and ₹5 lakh for individuals or senior couples, with benefits including in-patient hospitalisation, day-care procedures (up to 140 procedures), domiciliary treatment, organ donor expenses, and ambulance cover up to ₹2,000 per hospitalisation. The plan ensures nationwide cashless access across TATA AIG’s network, along with a 5% renewal discount for every claim-free year, making it a stable choice for senior health security.
Experts Review
Written by Nikhil Nair
Senior Writer
TATA AIG MediSenior caters exclusively to the healthcare needs of seniors, offering standard hospitalisation coverage without a maximum age limit—rare among senior-focused plans. It covers in-patient hospitalisation, pre- and post-hospitalisation (30 and 60 days respectively), domiciliary treatment, and 140 day-care procedures. Organ donor expenses and emergency ambulance charges are also reimbursed. The plan applies co-payments of 15% for shared accommodation and 30% for single rooms or select surgeries such as cataract, hysterectomy, angioplasty, and joint replacements.
While the benefits are robust, the plan does carry standard waiting periods—30 days for illnesses, 24 months for specified diseases, and 36 months for pre-existing conditions. The absence of health check-ups, restoration, or no-claim bonus features limits its flexibility compared to newer senior plans. However, the 5% renewal discount and two-year policy term options add value for long-term holders. The family discount (5%) and lifelong renewability make it ideal for older couples seeking dependable hospitalisation coverage.
Despite its reliability, MediSenior has been withdrawn and replaced by TATA AIG’s Elder Care plan, which is a comprehensive policy with better bonuses and health check-up benefits.
Pros
Insurer has a solid track record with great claim and service metrics.
Cons
Not very feature-rich.
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
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
Bad
Co-payment
The policy will cover only 85% of the bill in case you opt for a shared room. And 70% in case you opt for anything fancier than a shared room. The rest is on you. They call this mandatory 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
Your insurance cover won’t be fully available in case you are treated for Cataract, Joint Replacement, Hernia, Hysterectomy, Benign Prostate surgery and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
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.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Stem cell therapy, excluding Hematopoietic stem cells for bone marrow transplant for haematological conditions will be covered under Benefit 1a and 1d of this Policy
Growth hormone therapy.
Venereal disease, sexually transmitted disease or illness.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment 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.
Tumors, cysts, polyps including benign breast lumps
Polycystic ovarian disease
Fibromyoma
Adenomyosis
Endometriosis
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
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered.
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Frequently Asked Questions
Does MediSenior 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 MediSenior have room rent restrictions?
Does MediSenior offer a restoration benefit?
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