Overview

TATA AIG does not publish a single fixed universal premium chart for all its plans. Premiums vary based on the chosen health insurance plan, family composition, city (zone), sum insured, underwriting, and other factors. If you wish to explore any specific TATA AIG family health insurance premium chart, you may refer to the insurer’s official website and select the plan under the tariff sheet section.  

For example, a TATA AIG MediCare Premier family floater for people residing in Delhi (110010) with a ₹15 lakh sum insured with add-ons for restoration benefit and bonus protection may cost.

  • Couple (Ages 35 and 31): ₹26,810
  • Couple + 1 Child (Ages 35, 31, and 5): ₹34,826
  • Couple + 2 Children (Ages 38, 35, 10, and 5): ₹42,664
  • Senior Citizen Couple (Ages 63 and 61): ₹69,350

You can use the TATA AIG premium calculator for quick quotes for your plan. 

Planning to buy a TATA AIG health insurance policy? The premium you pay can vary significantly based on factors such as your age, location, sum insured, family composition, and selected plan. Tata AIG’s health insurance premium chart can help you understand how the estimated premium changes across different customer profiles and coverage requirements.

In the next few minutes, this guide breaks down TATA AIG premium charts, premium comparison, plans offered, and helps you understand how health insurance premiums vary from person to person.

Not sure if TATA AIG health insurance premiums justify their benefits? Book a free call or chat on WhatsApp with a Ditto advisor, and let us help you out.  

What Is the TATA AIG Family Health Insurance Premium Chart?

The TATA AIG family health insurance premium chart is an illustrative rate table that helps you understand how premiums vary by age, family composition, sum insured options, and policy variants. 

TATA AIG Health Insurance publishes premium charts that serve as a reference to estimate expected premium ranges, but your final premium depends on factors such as medical underwriting, city, optional covers, and applicable discounts.

Sample TATA AIG Family Health Insurance Premiums by Age and Sum Insured

Here’s a snippet from the MediCare Premier rate chart, which displays premiums across ages.

TATA AIG Family Health Insurance Premium Chart

Does TATA AIG Offer Family Floater Discounts?

TATA AIG plans offer a family floater discount based on the number of insured members and the presence of dependent children. According to the MediCare Premier rate chart:

  • There is no discount for a single insured member. 
  • A policy covering two members receives a 22% discount. 
  • For three members, the discount remains 22% if there are no children, but increases to 28% if at least one child is included. 
  • For policies covering more than three members, the discount rises to 32% when at least two children are covered, 28% when one child is covered, and 22% when no children are covered.
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MediCare Premier vs MediCare Select Premium Comparison

ProfilesMediCare PremierMediCare Select
Couple (Ages 35 and 31)₹26,810₹17,482
Couple + 1 Child (Ages 35, 31, and 5)₹34,826₹21,474
Couple + 2 Children (Ages 38, 35, 10, and 5)₹42,664₹26,050
Senior Citizen Couple (Ages 63 and 61)₹69,350₹65,032

Note: The annual premium figures below are illustrative for the two TATA AIG health plans with a ₹15 lakh sum insured, assuming the policyholder resides in Delhi (110010). Actual premiums may vary depending on age, family composition, pricing zone, medical underwriting, and discounts.

MediCare Premier includes add-ons for unlimited restoration benefit and bonus protection, while MediCare Select includes add-ons for bonus, consumable coverage, and annual health check-up. 

Factors That Affect Your TATA AIG Family Health Insurance Premium

    • Age of the Eldest Insured: In a family floater policy, the premium is based on the age of the oldest insured member. As they move into a higher age band at renewal, the premium for the entire family policy may increase.
    • Family Composition: Premiums vary depending on whether the policy covers an individual, a couple, or a family with children. TATA AIG also offers family floater discounts based on the number of insured members and dependent children.
    • Sum Insured: Choosing a higher sum insured generally increases the premium. However, the increase is not always proportional, making higher coverage more cost-effective in many cases.
    • Policy Variant: Different TATA AIG health insurance plans offer varying levels of coverage and benefits. Comprehensive variants with broader protection naturally cost more than basic plans.
    • City or Pricing Zone: TATA AIG categorizes cities into different pricing zones based on healthcare costs. Premiums are generally higher in cities with more expensive medical treatment.
    • Medical History: Existing medical conditions, lifestyle risks, or previous illnesses may result in additional medical underwriting, premium loading, permanent exclusions, or other policy modifications.
    • Optional Add-Ons: Selecting add-ons such as Restoration Benefit, Bonus, Room Rent Upgrade, or Critical Illness Cover increases the premium but also enhances your overall protection.
    • Policy Tenure: Multi-year policies often come with discounts compared to annual renewals. Choosing a longer policy term can reduce your average annual premium and protect you from price revisions due to inflation.
    • Deductibles and Co-Payments: Opting for a higher deductible or co-payment can lower your premium. However, it also increases your share of medical expenses during a claim.
    • Applicable Discounts: Premiums for your TATA AIG family health insurance may be reduced through online purchase offers, long-term policy discounts, wellness rewards, family floater discounts, or other promotional benefits.

TATA AIG Family Health Insurance Plans and Hospital Network

    • TATA AIG MediCare: The plan covers inpatient hospitalization, over 540 daycare procedures, and offers a 100% restoration benefit once the entire sum insured is exhausted. TATA AIG MediCare also rewards claim-free years with a 50% no claim bonus, allowing your sum insured to grow by up to 100%. Depending on the selected variant, you can choose a sum insured between ₹3 lakh and ₹20 lakh. You can check the TATA AIG MediCare rate chart for an estimate of your policy premium.
    • TATA AIG MediCare Premier: The plan offers a sum insured ranging from ₹5 lakh to ₹3 crore, making it suitable for families with significant healthcare needs. TATA AIG MediCare Premier offers a 100% restoration benefit and a 50% no claim bonus every claim-free year, up to 100%. One of its biggest advantages is the 2-year waiting period for pre-existing diseases, which is shorter than many traditional health insurance plans. You can refer to the TATA AIG MediCare Premier premium chart to view the applicable premium rates.
    • TATA AIG MediCare Select: The plan offers a sum insured ranging from ₹5 lakh to ₹3 crore, along with multi-year policy options. MediCare Select's standout feature is Restore Infinity Plus, which provides unlimited restoration of the sum insured during the policy year. This helps protect against multiple large claims without exhausting your coverage. For detailed pricing, refer to the TATA AIG MediCare Select premium rate chart published by the insurer.
    • TATA AIG MediCare Plus (Super Top-Up): The plan is ideal for protecting yourself against major medical expenses after your aggregate deductible is exhausted. MediCare Plus offers high coverage options, commonly up to ₹1 crore, making it a cost-effective way to strengthen your overall health insurance protection. You can refer to the TATA AIG MediCare Plus premium chart, which provides the applicable premium rates based on your profile and coverage.

Note: TATA AIG operates with over 12,000 cashless hospitals across India. If you wish to locate a network hospital near you, refer to the TATA AIG network hospital list in India.

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At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

TATA AIG Family Health Insurance Premium Chart
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Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now or chat with our advisors on WhatsApp.

Conclusion

The premium charts above are indicative only and should be used as a reference, not as a final quote. Your actual premium depends on factors such as the purchase channel, available discounts, medical and lifestyle underwriting, and applicable taxes. 

For most families, younger couples and children are best covered under one family floater, while parents are usually better insured through a separate individual or senior citizen policy for better pricing and more suitable coverage.

If you want to compare the affordability of premium plans from established insurers, refer to the best health insurance plans in India. 

Frequently Asked Questions

Is TATA AIG a good choice for family health insurance in India?

Yes, TATA AIG is a strong option for families seeking comprehensive health insurance. It offers a wide hospital network, multiple policy variants, restoration benefits, wellness features, and high sum insured options. TATA AIG health insurance hospital list includes over 12,000 cashless network hospitals. However, from an insurer's perspective, TATA AIG maintained an average Claim Settlement Ratio (CSR) of 88.94% during FY 2024–26. At Ditto, we recommend insurers with 90%+ CSR to ensure higher claim reliability. For detailed insurer metrics, refer to Ditto Data Lab.

Why might my actual TATA AIG premium quote differ from the numbers in a premium chart?

Premium charts are only illustrative. Your final premium depends on factors such as age, family composition, city or pricing zone, medical and lifestyle underwriting, sum insured, optional add-ons, available discounts, and purchase channel. Two customers choosing the same plan may still receive different final premium quotes.

Is TATA AIG MediCare Premier significantly costlier than MediCare Select for the same cover?

Yes. However, MediCare Premier and MediCare Select target different customer needs. Instead of comparing only premiums, evaluate features such as waiting periods, restoration benefits, and overall coverage before making a decision.

Does adding a child to a TATA AIG family floater plan increase the premium a lot?

Adding a child generally increases the premium, but the increase is often modest compared to adding another adult. In many cases, family floater discounts help offset part of the additional cost. The exact premium depends on the number of insured members, children's ages, and the chosen policy variant. By securing TATA AIG health insurance plans for family, you can protect your loved ones with comprehensive health coverage.

Is the TATA AIG MediCare Plus super top-up worth pairing with a family floater plan?

Yes, for many families, it can be a cost-effective strategy. A family floater handles routine hospitalization expenses, while MediCare Plus Super Top-Up provides additional protection once the deductible or base policy limit is exhausted. This combination allows families to secure higher coverage without paying the premium of a very high standalone policy. At Ditto, we recommend choosing a super top-up deductible that matches your base health insurance sum insured and buying both policies from the same insurer for a smoother claims experience.

Does TATA AIG offer a discount for choosing a higher voluntary deductible?

Yes. Choosing a higher voluntary deductible can reduce your premium because you agree to bear a portion of the claim yourself. However, this also increases your out-of-pocket expenses during hospitalization. A deductible should only be selected if you can comfortably afford the additional claim cost for years to come. Also, check whether the deductible is an aggregate or per-claim deductible. An aggregate deductible is preferred, as it is more beneficial for most policyholders.

Can I upgrade from TATA AIG MediCare Select to MediCare Premier at renewal?

Yes, TATA AIG allows you to switch between eligible products or upgrade your policy at renewal, subject to the insurer's underwriting guidelines and prevailing policy terms. Any additional benefits or increased coverage may carry fresh waiting periods or underwriting requirements, so review the revised terms carefully before upgrading.

Is Goods and Services Tax (GST) applicable to TATA AIG health insurance premiums?

No. As of 22 September 2025, GST on health insurance has been removed from individual, family floater, and senior citizen policies. This means you do not pay any GST on eligible TATA AIG retail health insurance plans. However, group health insurance policies, such as employer-sponsored or bank-issued health insurance, continue to attract 18% GST. Always verify the latest tax treatment before purchasing, as GST rules are subject to changes announced by the government.

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