Tata AIG
MediCare Select
Plan & insurer snapshot
Incurred Claim Ratio
80.65%
Claims paid vs premium collected.
Claims Settled
81.42%
Approved by number of claims.
Settled < 30 Days
80.55%
How quickly claims are paid.
Complaints
0.10%
On overall claims — lower is better.
Expert Verdict
MediCare Select is an individual health insurance plan from Tata AIG. It stands out for no room-rent cap, no co-payment and built-in restoration. On the downside, disease-wise sub-limits apply on some treatments — worth weighing before you buy. On the insurer side, it reports 81.42% of claims settled by count and a 12,000+ cashless hospital network.
Pros
- No room-rent cap — you can be admitted to any room category without a proportionate deduction on the rest of your bill.Standout
- No co-payment — the insurer pays the full approved claim, with nothing deducted as your share.
- Restoration is included — the sum insured refills unlimited times in a policy year, triggered on partial exhaustion of sum insured, for a related and unrelated illness.
- Cover grows by 100% (Add-on) for each claim-free year, up to 500% (Add-on) of the base sum insured.
- Modern treatments such as robotic surgery and other advanced procedures are covered, usually up to a specified limit.
- Day-care procedures that take under 24 hours — cataract, dialysis, chemotherapy and similar — are covered.
Cons
- Disease-wise sub-limits apply — some treatments are capped below your sum insured, so verify the caps for conditions like cataract or joint replacement.
Key Features
Room Rent
No limit — you can pick any room category without a proportionate cut on the rest of your bill.
ICU Charges
No separate cap on ICU charges.
Co-Payment
None — the insurer bears the full approved claim.
Disease Sub-limit
Applies — certain treatments are capped below the sum insured.
Restoration of CoverStandout
The sum insured refills unlimited times in a policy year, triggered on partial exhaustion of sum insured, for a related and unrelated illness.
No-Claim Bonus
Cover grows by 100% (Add-on) for each claim-free year, up to 500% (Add-on) of the base sum insured.
Day Care Treatment
Procedures under 24 hours, such as cataract and dialysis, are covered.
Modern Treatments
Advanced procedures like robotic and laser surgery are covered, usually up to a limit.
Consumables
Non-medical items like gloves, syringes and PPE are paid, not deducted.
Domiciliary Cover
At-home treatment is covered when hospital admission is not possible.
Waiting Periods
Initial Waiting: 30
No cover in this window except for accidental hospitalisation.
Specific Illness: 2
Named conditions such as cataract, hernia and joint replacements wait this long.
Pre-existing Diseases: 3
Conditions you already have are covered only after this period.
Common Exclusions
Typical across most Indian health plans — always confirm the exact exclusions in MediCare Select's policy wording.
Cosmetic or aesthetic treatment, unless needed to reconstruct after an accident or burns.
Self-inflicted injuries and conditions arising from alcohol or substance abuse.
Treatment arising from war, nuclear or allied perils.
Admissions purely for investigation, evaluation or bed rest with no active treatment.
Unproven or experimental treatments not backed by established medical practice.
Frequently Asked Questions
Does MediCare Select have a co-pay?
No. MediCare Select does not require a co-payment under the base cover.
Is there a room rent limit on MediCare Select?
No. MediCare Select has no room rent cap for standard hospitalisation, so you can choose any room without a proportionate cut.
What is the pre-existing disease waiting period for MediCare Select?
3. Claims for conditions you already had are covered only after this waiting period.
Does MediCare Select restore the cover if it runs out?
Yes. MediCare Select refills the sum insured after it is exhausted (unlimited times in a policy year).
Are day care treatments covered under MediCare Select?
Yes. MediCare Select covers day care procedures that take under 24 hours, such as cataract surgery or dialysis.
How many cashless hospitals does MediCare Select offer?
12,000+ cashless network hospitals are reported for MediCare Select, where the insurer settles bills directly.
Does MediCare Select cover modern treatments?
Yes. MediCare Select covers modern treatments such as robotic surgery, usually up to a specified limit.