What is the premium for this policy?

The premium depends on the insured person’s age, sum insured, selected benefit sections and option. Obtain a quote from Tata AIG for the intended configuration instead of relying on a single generic premium.

Is Wellsurance included automatically?

Wellsurance is described as an optional benefit. Check the policy schedule to confirm whether it has been selected and what limits apply.

Tata AIG Criti-MediCare: Coverage, Benefits & Waiting Periods

Tata AIG Criti-MediCare Overview

Tata AIG Criti-MediCare is a configurable insurance policy designed to provide financial support for serious illnesses. Its Critical Illness section provides a lump-sum payout when a covered illness is diagnosed and the policy conditions are satisfied. The Smart Century Premier option covers up to 100 critical illnesses, while Smart Half Century covers up to 50. Policyholders can also select Cancer 360 Degree Indemnity Cover and Hospital Cash as base benefit sections, subject to the product terms. At least one base benefit section must be selected.

Choose from Smart Century Premier or Smart Half Century, with additional benefit sections subject to policy terms

Expert Review of Tata AIG Criti-MediCare

The key distinction is that Criti-MediCare combines benefits with different claim structures. The Critical Illness section pays a lump sum for an eligible diagnosis, whereas Cancer 360 Degree is an indemnity benefit subject to covered expenses and policy limits. Hospital Cash pays fixed benefits for eligible hospitalisation. Buyers should compare the selected sections, sum insured, survival-period option, waiting periods and exclusions before purchase. The premium is not one universal price; it depends on the selected configuration and insured details.

Pros

Offers a lump-sum benefit for an eligible critical illness diagnosis, which can help with costs beyond hospital bills.
Two illness-count options allow buyers to compare the 50-illness and 100-illness versions.
Cancer indemnity and Hospital Cash sections provide additional benefit structures when selected.

Cons

The premium depends on age, sum insured and selected sections, so there is no single universal price.
The 90-day initial waiting period applies to Critical Illness and Cancer 360 Degree sections, subject to policy terms.
Different sections have different limits, waiting periods and claim requirements that need careful review.

About Tata AIG (Insurer Profile)

Tata AIG

Key Insights

Founded

2001

Tata AIG was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

97.1% CSR, calculated as a 3-year average

Tata AIG settles 97.1% of all claims it receives, demonstrating strong credibility.

Contact Details

1800 266 7780

Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013, Maharashtra, India

Tata AIG Criti-MediCare Features and Benefits

Critical Illness Lump-Sum Benefit

Pays the applicable lump sum after diagnosis of a listed critical illness when all policy claim conditions are met.

The payable amount and covered illness category depend on the selected option and policy schedule.

Two Critical Illness Options

Smart Century Premier covers up to 100 critical illnesses; Smart Half Century covers up to 50.

Confirm the applicable illness list and definitions in the policy wording.

Multipay Feature

The product page describes a multipay feature for eligible claims across specified illness categories.

Applicable categories, claim limits and conditions are governed by the policy wording.

Health Check-Up

A preventive health check-up benefit is described under the Critical Illness section.

Limits and eligibility depend on the chosen option and policy terms.

Second Medical Opinion

A second medical opinion benefit is available for an eligible critical illness diagnosis.

Use is subject to the conditions and limits in the policy wording.

Cancer 360 Degree Indemnity

This optional-to-select base section can cover eligible cancer-related treatment expenses, including specified inpatient, day-care and other listed benefits.

It is an indemnity benefit; applicable expenses, limits and exclusions must be checked in the policy schedule.

Hospital Cash

Provides fixed cash benefits for eligible hospitalisation, with benefits that may include inpatient, prolonged hospitalisation and ICU cash.

Daily amounts and payable duration depend on the chosen cover and schedule.

Add-ons of Tata AIG Criti-MediCare

Wellsurance Benefit

Optional benefit with listed services such as minor surgery, major surgery, post-operative physiotherapy expenses and ambulance service.

Optional; availability, sub-limits and conditions are governed by the policy schedule.

Waiting Periods in Tata AIG Criti-MediCare

Critical Illness and Cancer 360 Degree Indemnity: 90 days. Hospital Cash: 30 days except where accident-related provisions apply. Pre-existing diseases: 36 months. A 24-month specified disease/procedure waiting period applies to Hospital Cash as described in the policy. Refer to the policy wording for exact terms.

90 days
Initial waiting period: Critical Illness
Applies to Section A Critical Illness, subject to the policy wording and applicable exceptions.
90 days
Initial waiting period: Cancer 360 Degree
Applies to Section B Cancer 360 Degree Indemnity Cover, subject to policy terms.
30 days
Initial waiting period: Hospital Cash
Applies to Section C Hospital Cash except where the policy provides otherwise, including applicable accident-related provisions.
36 months
Pre-existing diseases
Refer to the policy wording for the definition of pre-existing disease and the exact application of this waiting period.

What Tata AIG Criti-MediCare Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

A condition that does not meet the policy definition of a listed critical illness may not qualify for the lump-sum benefit.
Claims arising during an applicable waiting period are not payable unless a specific policy exception applies.
Expenses or services outside the selected benefit section, its limits or policy terms are not covered under that section.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Specific Illness Waiting Period in Tata AIG Criti-MediCare

The product offers Smart Century Premier with up to 100 covered critical illnesses and Smart Half Century with up to 50. The exact illnesses, definitions, survival-period requirements and claim conditions must be checked in the applicable policy wording and schedule.

What's missing in Tata AIG Criti-MediCare

The lump-sum benefit applies only to illnesses listed and defined in the applicable policy wording; a diagnosis alone does not guarantee payment.
Hospital Cash is a fixed-benefit section and should not be treated as reimbursement of every hospital expense.
Cancer 360 Degree Indemnity Cover is subject to eligible expenses, sub-limits and policy conditions; it is not interchangeable with the lump-sum Critical Illness benefit.

Insurer

Tata AIG plans and claim process

Tata AIG Criti-MediCare FAQs

How many critical illnesses does Tata AIG Criti-MediCare cover?

The official product page describes Smart Century Premier with up to 100 critical illnesses and Smart Half Century with up to 50. The applicable list and definitions are set out in the policy wording.

Does Criti-MediCare cover cancer treatment expenses?

The policy offers a Cancer 360 Degree Indemnity Cover section. Whether it is included depends on the sections selected in the policy schedule, and claims remain subject to covered expenses, limits and policy conditions.

What are the waiting periods?

The official product information lists 90 days for Critical Illness and Cancer 360 Degree Indemnity, 30 days for Hospital Cash, 36 months for pre-existing diseases and 24 months for specified diseases/procedures applicable to Hospital Cash. Check the policy wording for exact terms.

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIG website before purchasing.