Medicare Premier is a premium plan built for those who want comprehensive coverage including international treatment.
Medical treatment outside India for serious conditions is covered, a rare inclusion that sets Medicare Premier apart from most domestic plans.
Air ambulance charges for emergency evacuation are covered in the base plan — no additional rider required, unlike most competitors.
Covers the medical expenses of the organ donor incurred during the harvesting procedure, reducing the financial burden of transplant surgeries.
On diagnosis of a listed critical illness, a lump sum payout is made in addition to hospitalisation coverage — dual protection.
If you are diagnosed with a critical illness, future premiums are waived while the policy continues in full force. This is an exceptional benefit.
Post-discharge home healthcare is covered when recommended by a treating doctor, supporting continued recovery without readmission costs.
Cumulative no-claim bonus builds year over year up to 100% of the base sum insured, rewarding policy holders who stay healthy.
The room rent limit is capped at a single AC room. Upgrading to a higher category results in proportional cuts across all hospital charges.
A full breakdown of what Medicare Premier covers and what to watch out for.
| Coverage Feature | Details |
|---|---|
| In-patient Hospitalisation | Covered fully |
| Pre-hospitalisation Expenses | 60 days |
| Post-hospitalisation Expenses | 90 days |
| Room Rent | Single AC room (proportional deduction if exceeded) |
| ICU Charges | Covered (no sub-limit) |
| Day-Care Procedures | All covered |
| International Treatment Cover | Covered for serious illnesses |
| Air Ambulance | Covered in base plan |
| Organ Donor Expenses | Covered (harvesting portion) |
| Home Healthcare | Covered post-discharge |
| Critical Illness Lump Sum | Included in base plan |
| Premium Waiver on CI | Premiums waived on CI diagnosis |
| Cumulative Bonus (NCB) | Up to 100% |
| AYUSH Treatment | Covered at AYUSH hospitals |
| Maternity Benefit | Available in selected variants |
| OPD Expenses | Not covered in base plan |
| Pre-existing Disease Wait | 3 years (36 months) |
| Initial Waiting Period | 30 days (except accidents) |
| Network Hospitals | 10,000+ |
| Restore Benefit | Available |
| Claim Process | Cashless / Reimbursement |
This plan is designed for specific buyer profiles where its premium features justify the higher cost.
The ₹3 Crore sum insured and international treatment coverage make this plan ideal for those who want elite-level protection without limits.
International treatment cover within the base plan removes the need for a separate international health insurance policy for medical emergencies abroad.
The dual critical illness benefit — lump sum payout plus premium waiver — offers powerful financial protection for those at elevated risk.
With organ donor expenses covered, this plan is among the few that reduce the full financial burden of transplant surgeries on the insured.
An honest assessment before you decide.
Common questions about Tata AIG Medicare Premier, answered plainly.
Our advisors help you decide if the international cover and critical illness benefits justify the room rent limitation for your situation.
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