Tata AIG MediCare, MediCare Premier and MediCare Select compared
All three Tata AIG plans add 50% of the sum insured as bonus for each claim-free year, up to 100%. MediCare Premier has no room limit, waits 24 months for pre-existing diseases and includes maternity after 36 months and planned treatment abroad. MediCare sets your room in the schedule and charges 10% of the claim if you take a higher one. MediCare Select restores cover unlimited times but needs add-ons for maternity and consumables.
Side by side
| MediCare | MediCare Premier | MediCare Select |
|---|
| UIN | TATHLIP26053V042526 | TATHLIP26052V052526 | TATHLIP25051V012425 |
|---|
| Room | As in schedule; 10% co-pay for a higher room | No limit | As in schedule |
|---|
| ICU | No limit stated | No limit | No limit |
|---|
| Before / after a stay | 60 / 90 days | 60 / 90 days (200 after, from ₹75 lakh cover) | 90 / 90 days |
|---|
| Bonus | 50% a year, up to 100% | 50% a year, up to 100% | 50% a year, up to 100% |
|---|
| Restore | Once a year (same illness after 45 days) | Once a year, not on the first claim | Unlimited, not on the first claim |
|---|
| Consumables | Built in (listed items) | Built in | Add-on |
|---|
| Treatment abroad | Built in (diagnosis in India) | Planned treatment abroad built in | Not covered |
|---|
| Maternity | Not covered | Covered after 36 months | Add-on, 24 months |
|---|
| Pre-existing diseases | 36 months | 24 months | 36 months |
|---|
| Listed illnesses | 24 months | 24 months | 24 months |
|---|
How the bonus works in all three
50% of the sum insured is added for each claim-free year, up to 100%. After a claim year it drops by 50% of the sum insured. Each plan also lets you take a renewal premium discount instead of the bonus.
Frequently asked questions
Which Tata AIG MediCare plan has no room limit?
MediCare Premier. MediCare and MediCare Select set the room in your schedule.
Does Tata AIG MediCare cover maternity?
The base MediCare plan does not. MediCare Premier covers it after 36 months, and MediCare Select offers it as an add-on with a 24-month wait.
What happens if I take a higher room in Tata AIG MediCare?
You bear 10% of the admissible claim amount.
Compare these plans clause by clause
Where this comes from
- Tata AIG MediCare policy wording, UIN TATHLIP26053V042526. Clauses B1, B2, B3, B10, B12, B13, B14, claims clause i.
- Tata AIG MediCare Premier policy wording, UIN TATHLIP26052V052526. Clauses B1, B2, B3, B12, B13, B14, maternity.
- Tata AIG MediCare Select policy wording, UIN TATHLIP25051V012425. Clauses B1, B9 Restore Infinity Plus, cumulative bonus, C1, optional covers.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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