Tata AIG Health Insurance: Review & Plans

Overview

Backed by the Tata Group's reputation and AIG's international insurance expertise, Tata AIG Health Insurance has built a sizeable footprint since its 2001 launch, with a cashless network of over 12,000 hospitals. That said, its claim settlement ratio sits below the industry average, even as its complaint rate stays comparatively low.

Key Performance Metrics (FY 2024-26)

Claim Settlement Ratio (CSR): 88.94%, slightly below the industry average of 91.22%.
Incurred Claims Ratio (ICR): 77.50%, within the healthy 55-85% range.
Complaints per 10,000 Claims: 11.47, notably better than the industry average of 27.06.
Network Hospitals: 12,000+, ahead of the recommended benchmark.

Core Plan Highlights (Medicare Series)

No Limits: Plans like Medicare Premier impose no limits on room categories, copayments, or disease-wise sub-limits.
Restoration: 100% sum insured restoration, with bonus up to 100%.
Riders: Medicare Select offers 7+ optional add-ons, including OPD and consumables cover.

Founded in 2001, TATA AIG combines Tata’s brand trust with AIG’s global expertise. It has built a strong presence with a health insurance Gross Written Premium (GWP) of over ₹3,776 crore (FY 2024-26) and 5 crore+ policies issued. Its plans cater to individuals, families, and senior citizens, with a focus on comprehensive, feature-rich coverage.

This TATA AIG insurance review evaluates its claims performance, pricing, and product design to assess overall reliability.

TATA AIG General Insurance: Performance Metrics

Metrics (FY 2024-26)	TATA AIG General Insurance	Industry Average
Claim Settlement Ratio (CSR)	88.94%	91.22%
Incurred Claims Ratio (ICR) (FY 2022-25)	77.50%	81.88%
Average Complaints Received per 10,000 Claims	11.47	27.06
Annual Business/Gross Written Premium (in Crores)	₹3,776	₹3,969
Network Hospitals	12,000+	10,000+ (Recommended)

Note: The complaint figures shown above include all products offered by TATA AIG (health, motor, and others), as the insurer does not publish product-specific complaint data. All data is sourced from IRDAI annual reports, Ditto Data Lab, and the insurer’s public disclosures.

Key Insights

Complaints: The complaint ratio is better than the industry average, reflecting efficient service and smoother claim handling.
Incurred Claim Ratio (ICR): The ICR is below industry levels but still within the ideal range of 55-85%.
Claim Settlement Ratio (CSR): The CSR is below the industry average, indicating relatively weaker claim settlement performance.
Annual Business (GWP): The Gross Written Premium (GWP) is slightly below the industry average, indicating a moderate but stable market presence.

Popular Plans Offered By TATA AIG Health Insurance

Plan	Coverage	Key Features
Medicare Premier	₹5 lakh to ₹3 crore	No room rent, no co-pay or disease sub-limits,100% restoration of sum insured; 50% no-claim bonus (up to 100%), maternity cover (₹50,000 to ₹1.2 lakh after 3 years).
Elder Care	₹5 lakh to ₹25 lakh	For 61+, 2-year wait for Pre-Existing Diseases (PED); 30/60-day pre/post hospitalization, no room rent limits, co-pay, or sub-limits, ₹2-20 lakh deductibles, 10% No Claim Bonus (NCB) up to 100%, includes consumables, wellness, and global cover.
Medicare Plus (Super Top-Up)	₹3 lakh to ₹1 crore	No room rent limits, co-pay, or sub-limits, flexible deductibles (₹2 lakh-20 lakh), 50% no-claim bonus (up to 100%), optional global cover.
Medicare Select	₹5 lakh to ₹3 crore	Unlimited restoration of sum insured; 7+ optional riders including Maternity, Consumables, and Outpatient Department (OPD) cover.

TATA AIG Health Insurance: Premium Comparison

Profile	Medicare Premier	Medicare Select
Individual (Age 25)	₹14,044	₹10,491
Family Floater 2 Adults (2A): 31, 32	₹25,412	₹18,318
Family Floater 2 Adults + 1 Child (2A 1C): 35, 34, 5	₹33,013	₹24,117
Family Floater 2 Adults (2A): 62, 63	₹67,226	₹65,323

Note: A stands for adult and C denotes child. The premiums above are indicative for a ₹15 lakh cover and assume the insured individuals are based in Delhi (pin code: 110010).

For Medicare Select, riders chosen include Consumables Cover, Preventive Annual Health Checkup, and Emergency Air Ambulance. No riders have been added to Medicare Premier.

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TATA AIG Health Insurance: Contact Details and Address

Customer Support Details:

Toll-Free Number: 1800-267-6115 (for new policy purchases)
24/7 Support (Chargeable): 022-6489-8282
Email: customersupport@tataaig.com
WhatsApp: +91-9136160375
Website: https://www.tataaig.com/contact-us
Mobile App: TATA AIG app for quick policy management and claims

Registered Office: TATA AIG General Insurance Company Limited, Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013, Maharashtra, India.

Top 10 Health Insurance Companies in India

Company Name	Ditto Score (Out of 5)	Claim Settlement Ratio (CSR) (FY 2024-26)	Complaints Per 10,000 Claims (FY 2024-26)	Annual Business (in Crore) (FY 2024-26)
HDFC ERGO	4.99	97.61%	8.87	₹6,596.53
Bajaj General	4.99	95.63%	3.85	₹7,900.76
Aditya Birla	4.49	96.25%	18.67	₹4,920.43
Care Health	4.23	95.45%	42.67	₹8,404.67
Niva Bupa	4.23	92.92%	37.13	₹6,985.24
SBI General	3.79	95.94%	14.04	₹4,974.56
Go Digit	3.69	99.01%	19.08	₹1,666.04
Generali Central (Formerly Future Generali)	3.66	93.50%	11.68	₹1,597.08
ICICI Lombard	3.65	86.81%	15.05	₹7,955.27
TATA AIG	3.43	88.94%	11.47	₹3,776.36

Our rating methodology evaluates multiple factors, including Claim Settlement Ratio (CSR), Gross Written Premium (GWP), complaints, and more, to provide a well-rounded view of insurers. Based on this, Tata AIG ranks 10th among the top 10 health insurers in India.

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Ditto’s Take on TATA AIG Health Insurance

TATA AIG Health Insurance stands out for its strong brand credibility, comprehensive plans, and smooth customer experience.

However, premiums are relatively higher, and its Claim Settlement Ratio (CSR) is slightly below the industry average. Other insurers like HDFC ERGO or Aditya Birla Health Insurance may offer better metrics and similar coverage at more competitive pricing, so it’s worth comparing options.

TATA AIG suits those who prefer all-inclusive plans with built-in benefits such as maternity or Outpatient Department (OPD) coverage, without relying heavily on add-ons.

To understand how TATA AIG compares with other insurers, you can also explore our guide to the top health insurance plans in India.

Frequently Asked Questions

Is TATA AIG health insurance good, and how reliable is its claim settlement ratio?

TATA AIG's claim settlement ratio stands at 88.94% for FY 2024-26, below the industry average of 91.22%. Its Incurred Claims Ratio of 77.50% falls within IRDAI's healthy 55-85% range, and its complaint ratio of 11.47 per 10,000 claims is well below the industry average of 27.06. Together, these suggest steady, if not top-tier, claims performance worth weighing against larger insurers.

What are the best TATA AIG health insurance plans to consider?

TATA AIG offers plans suited to different needs, with premiums varying by variant, sum insured, and age. Medicare Premier suits buyers wanting built-in maternity and full restoration, Medicare Select offers rider-based customization with unlimited restoration. Elder Care caters specifically to those aged 61+, and Medicare Plus works as a super top-up for existing base policies.

How do you find TATA AIG network hospitals near you?

You can check TATA AIG's hospital network, which spans 12,000+ facilities nationwide, through the insurer's official website or mobile app by searching your city or PIN code. Since hospital empanelment can change, it's advisable to confirm your preferred hospital's cashless status before a planned admission, especially for high-value treatments.

How do you renew a TATA AIG health insurance policy?

TATA AIG policies can be renewed online through the insurer's website or mobile app using your policy number and registered details. Before paying, review your renewal premium, sum insured, covered members, and any changes to riders or benefits. You can also renew by contacting TATA AIG's toll-free number, 1800-267-6115.

What is TATA AIG's customer care number for claims and support?

TATA AIG's toll-free number is 1800-267-6115 for new policy purchases, while chargeable 24/7 support is available at 022-6489-8282. Policyholders can also reach the insurer via email at customersupport@tataaig.com or WhatsApp at +91-9136160375 for assistance with claims, renewals, and other policy-related queries.

How do you access your TATA AIG health insurance policy document?

You can view or download your TATA AIG policy through the insurer's mobile app by logging in with your policy number and registered mobile number. The app also supports quick claims initiation and policy management, making it a convenient option alongside the insurer's website for accessing your documents.

Who should buy TATA AIG health insurance over a larger standalone health insurer?

TATA AIG may suit buyers who prioritize Tata Group's brand trust, a wide hospital network of 12,000+ facilities, and a low complaint ratio over the absolute highest claim settlement figures. It can also work well for those wanting all-inclusive plans like Medicare Premier, provided they compare its CSR against top performers like HDFC ERGO or Aditya Birla Health Insurance first.

Last updated on: 17 Aug, 2026