Is TATA AIG Health Insurance Good?

How Good is TATA AIG Health Insurance?

TATA AIG health insurance is generally good, given that it's an established, reputable brand with decent performance metrics (though not the best). The insurer has maintained a relatively low complaint volume of 10.65 per 10,000 claims. However, its claim settlement ratio of 88.72% is slightly below the industry average of 91.22%.

While most claims are settled efficiently, TATA AIG falls short of leading performers like HDFC ERGO or Bajaj General, which consistently maintain CSRs above 95%. This suggests that the insurer may occasionally experience delays or rejections compared to industry leaders.

TATA AIG Health Insurance is a trusted private insurer formed in 2001 that has built a strong presence with a mix of specialized and comprehensive health insurance plans.

At Ditto, we analyzed IRDAI annual reports, insurer disclosures, and policy documents to help you understand how the insurer performs across policy features, operations, customer experience, and more, and whether it's a good fit for your needs.

Overview of TATA AIG Health Insurance

About TATA AIG General Insurance Company Limited

TATA AIG General Insurance Company Limited is a joint venture between the TATA Group and American International Group (AIG). It has a range of insurance products across home, motor, marine, travel, and health sectors. The company’s new health insurance plans are quite comprehensive and competitive, like Medicare Select, with higher sum insured options (up to ₹3 crore).

Market Presence and Years of Operation

TATA AIG General Insurance Company Limited is celebrating its 25 years of service in India in 2026. The organization has a workforce of about 9,400+ employees across 262 branches in India. It is also increasing its online presence and has a strategic initiative called ‘Go Digital’ to make it easier to buy health insurance products digitally.

Types of Health Insurance Plans Offered

Comprehensive Hospitalization Plans

These plans by TATA AIG offer excellent features and add-on benefits.

Examples:

Customizable Comprehensive Plan

This is still a hospitalization plan, but designed to be customized using add-ons or riders and optional features.

Example:

TATA AIG MediCare Select

Senior Citizen-focused Health Insurance

Plans built specifically for older ages, usually with senior-friendly features, but often with cost-sharing options depending on the variant.

Example:

TATA AIG Elder Care

Super top-up Plans

These are meant to increase total coverage once your base policy (or employer cover) is used up, subject to the deductible logic.

Examples:

TATA AIG MediCare Plus (Super Top-up)
TATA AIG Health Supercharge (positioned as extra protection when the base plan is exhausted)

Critical Illness and Fixed Benefit Style Plans

These are designed around listed critical illnesses and can be structured with lump-sum benefits and optional sections, such as hospital cash (depending on the specific plan setup).

Example:

TATA AIG Criti MediCare

Group/Corporate Health Insurance

Purchased by an employer for employees (and optionally their families) under a master policy.

Example:

Group MediCare

Visit Ditto’s Understand Your Health Insurance Policy page to learn more about TATA AIG Health Insurance plans.

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Is TATA AIG Health Insurance Good: How it Performs on Operational Metrics

Performance Metrics (FY 2022–2025)

Metrics/Values	FY 22-23	FY 23-24	FY 24-25	Avg FY 22-25
Claim Settlement Ratio (CSR)	88.65%	90.88%	86.63%	88.72%
Incurred Claim Ratio (ICR)	78.33%	77.94%	76.24%	77.50%
Annual Business Volumes (in Crores) Total Health	₹2,770	₹3,134	₹3,592	₹3,165
Volume of Complaints per 10,000 claims (All products, not health-specific)	10.08	12.11	9.75	10.65

Note: The above data has been sourced from the insurer’s public disclosures and IRDAI annual reports.

Insights:

TATA AIG has maintained a decent average CSR of 88.72%, but, as mentioned above, it's still below the ideal benchmark of 90% and above.
An ICR between 50-80% is considered healthy, and TATA AIG’s 3-year average of 77.50% suggests that the insurer is neither aggressively underpricing its policies nor struggling to pay claims.
The insurer’s complaint volume is lower than the industry median of 17, indicating its efficiency in handling claims and customer grievances.
TATA AIG’s business volumes are low compared to other insurers in the market, but it isn’t a sign to worry about.

Note: At Ditto, we use a three-year average instead of a single year number because it can be skewed by unusual spikes or drops in performance. For more details, you can also check out our detailed TATA AIG Health Insurance review.

Now, let’s look at the benefits and drawbacks to know if TATA AIG Health Insurance is good or bad.

Key Benefits of TATA AIG Health Insurance

Feature-rich Flagship Plans

Plans like TATA AIG Medicare Premier offer extensive coverage, including global treatment options, consumable coverage, and benefits for chronic conditions such as diabetes and hypertension.

Wide Cashless Network

With access to over 11,000+ network hospitals across India, policyholders can conveniently avail of cashless treatment in most major cities and towns.

Low Complaint Volume

The insurer records an average of 11 complaints per 10,000 claims, significantly lower than the industry median of 17, indicating a smoother customer experience overall.

Strong Brand Reputation

Backed by the Tata Group, the company has earned a reputation for financial stability, transparent policies, and dependable customer service.

Drawbacks of TATA AIG Health Insurance

Slightly Below-average CSR: With an average CSR of 88.72%, TATA AIG performs reasonably well but falls slightly below the ideal industry benchmark of 90%+, suggesting occasional rejections or delays.
High Premium Rates: TATA AIG’s health insurance plans tend to be more expensive than most competitors. That’s because riders like maternity and global coverage, which are optional in most plans, are built into TATA AIG’s flagship health insurance plan.
Cost-sharing and Sub-limits: Some TATA AIG plans, such as Elder Care and Health SuperCharge, include co-payments, room rent limits, and disease-specific sub-limits, which reduce coverage for specialized or high-value treatments.

Things to Check Before Buying TATA AIG Health Insurance

Skim Through the Policy Wording Carefully

How the benefits associated with TATA AIG plans work in practice depends on specific conditions, inclusions, exclusions, and triggers mentioned in the policy document.

Understand the Fine Print

Features like maternity benefits, reduced waiting periods for pre-existing diseases (PEDs), or vaccination cover come with caps and eligibility conditions that must be understood upfront.

Keep Documents Accurate and Disclose Everything

Ensure you disclose your health information accurately at the time of purchase and maintain medical records to avoid delays or disputes during claims.

Choose Riders Wisely

Costs related to non-payable items may be excluded unless you opt for add-ons.

Check Hospital Network Status Frequently

Even with a large hospital network, cashless tie-ups can change over time, so confirm hospital eligibility before planned treatment, especially at your preferred hospitals in your locality.

Go through our health insurance checklist before purchasing your desired health insurance policy.

Did You Know?

Tata AIG Insurance became the third insurer to suspend the cashless claim settlement facility with Max Hospitals on September 10, 2025. Before this, other insurers like Star Health and Niva Bupa had already suspended cashless claim settlement with Max Hospitals across the country.

Who Should Go For TATA AIG Health Insurance?

At Ditto, we often hear the question: “Is TATA AIG health insurance good or bad for me”? The answer is pretty straightforward. The insurer’s plans are suitable for:

Those looking for higher sum insured options (e.g., between ₹10 lakh and ₹3 crore)
Frequent travelers who want a plan variant with worldwide coverage for emergencies and planned treatments
Couples or families planning a baby who want maternity cover options, depending on the plan and add-ons
Anyone who wants a plan with multiple riders or features, such as daily cash and consumables cover, to customize coverage
We recommend comparing other established players, such as HDFC ERGO and Care along with their plans, to find if TATA AIG health insurance is good or bad.

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Is TATA AIG Good for Health Insurance? (Ditto’s Take)

TATA AIG Health Insurance stands out for its diverse plan options, reliable customer service, and strong brand credibility.

While its claim settlement ratio is slightly below the industry average and premiums are on the higher side, the insurer’s low complaint volume, vast hospital network, and comprehensive coverage make it a decent choice for those seeking premium protection and peace of mind.

Disclaimer

TATA AIG is not a partner insurer with Ditto. All information gathered for this article is based on the insurer’s official website, policy wordings, and other publicly available sources. Check our guide on the best health insurance plans in India to choose insurers based on Ditto’s recommendations. To learn how we evaluate plans, refer to Ditto’s Cut.

Frequently Asked Questions

Is TATA AIG health insurance good in India?

TATA AIG is a reputable brand with feature-rich health insurance plans and strong performance metrics like lower complaint levels. However, some of its metrics, like CSR and business scale, are lower than those of its peers, and claim handling can be uneven. Hence, you must always factor in the insurer's potential concerns before making a decision.

Is there cashless hospitalization with TATA AIG?

When you buy a TATA AIG health insurance policy, you will get a list of network hospitals and medical facilities in the branch locator. These facilities have tie-ups with the insurer and are authorized to provide you with cashless treatment.

What is the waiting period of TATA AIG Health Insurance?

The waiting period for TATA AIG health insurance varies depending on the plan you choose. For instance, there is a 4-year waiting period to avail maternity benefits under the TATA AIG Medicare Premier plan.

How to track TATA AIG claim status?

You can also check the TATA AIG health insurance policy claim status by calling, mailing, or visiting the branch office. You can call their customer care number 1800-266-7780 or email them at customersupport@tataaig.com. You can also visit your nearest branch office for the same.

How long is the claim process for TATA AIG?

Once you submit all the necessary documents to TATA AIG, relax and wait for the claim to be settled. The insurer’s website says that it may take up to 21 days to settle health insurance claims.

Last updated on: 15 Feb, 2026