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Reviewed by Finzony Finance TeamLast updated:
Tata AIG Hope is a specialised health insurance product designed around specific fertility and assisted-reproduction related treatment needs.
A specialised health policy covering eligible surrogacy and oocyte retrieval-related expenses.
A specialised product with defined coverage for eligible surrogacy and oocyte retrieval related hospitalisation and treatment expenses.

Tata AIG Health Insurance
Key Insights
Founded
2001
Tata AIG Health Insurance was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94.3% CSR, calculated as a 3-year average
Tata AIG Health Insurance settles 94.3% of all claims it receives.
Network Hospitals
10,000+
Tata AIG Health Insurance has a network of 10,000+ hospitals, ensuring wide accessibility and convenience for policyholders.
Provides defined coverage for eligible surrogacy-related treatment and hospitalisation expenses.
Provides defined coverage for eligible oocyte retrieval related treatment expenses.
Eligible inpatient expenses are covered up to the applicable sum insured.
Eligible pre-hospitalisation expenses are covered subject to policy conditions.
Up to 30 days as applicable.
Eligible post-hospitalisation expenses are covered subject to policy conditions.
Up to 30 days as applicable.
Optional enhancement to eligible hospitalisation benefits where available under the product configuration.
Optional
Optional enhancement of available coverage subject to the selected benefit and policy terms.
Optional
Applicable waiting period and policy conditions should be checked for the selected Hope plan.
Initial waiting period
Applicable waiting conditions apply according to the selected Hope policy.
Initial Waiting Period
Applicable waiting period is subject to the policy terms and conditions.
Conditions or treatments that the policy clearly says it will not cover.
The product provides defined benefits for eligible treatment and hospitalisation related to the covered fertility procedures.
Insurer
Tata AIG Health Insurance plans and claim process
Tata AIG Hope is a specialised health insurance product designed around eligible fertility-related treatment needs.
The Surrogacy Plan provides defined coverage for eligible surrogacy-related treatment and hospitalisation expenses.
The Oocyte Retrieval Plan provides defined coverage for eligible oocyte retrieval related treatment expenses.
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 Health Insurance website before purchasing.
Contact Details
1800 266 7780
Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400013, Maharashtra, India
The aforementioned ratios have been averaged over three years (FY24-FY26)
Optional coverage for eligible consumable expenses during covered hospitalisation.
Optional
Optional enhancement to eligible room-related benefits subject to product availability.
Optional
The Hope product provides defined sum insured options subject to the selected plan and policy terms.