Aggregate Deductible
Claims from all hospitalisations in the year are added up; after the deductible, the policy pays up to the sum insured.
TATA AIG MediCare Reserve — Plan Details, Benefits & How to Buy in Assam
TATA AIG MediCare Reserve is a super top-up with a sum insured from ₹5 lakh to ₹5 crore, terms of 1 to 5 years, and an aggregate deductible that can be waived after five continuous years. Here are the details from TATA AIG's official website, in plain words — and how we help you buy, port or claim in Guwahati and across Assam.
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At a Glance
TATA AIG MediCare Reserve at a Glance
TATA AIG · Super top-up health insurance
| Feature | Details |
|---|---|
| Plan type | Super top-up — individual, family floater or multi-individual |
| Sum insured | ₹5 lakh to ₹5 crore |
| Entry age | Adults 18 to 55 · children 0 days to 25 years (under 5 only with a parent) |
| Family | Self, spouse and up to 3 dependent children |
| Policy term | 1 to 5 years |
| Waiting periods | Initial 30 days · pre-existing diseases 36 months · specified diseases / procedures 36 months |
| Discounts | Up to 9% long-term · up to 32% family floater · 5% multi-individual · 30% for NRIs |
From TATA AIG's official website (October 2026). Features and premiums change — we confirm the current details for your age and city before you buy.
Key Benefits
Key Benefits of TATA AIG MediCare Reserve
Deductible Waiver
The aggregate deductible can be waived at renewal after five continuous policy years.
Restore Benefit
Base sum insured restored automatically once the policy has converted to a base policy.
Pocket Protect
₹10,000 cash per hospitalisation, up to 5 a year, for prolonged stays (1-year waiting period).
No Claim Bonus
After conversion: 50% more sum insured, or a 1% renewal discount, for a claim-free year.
Wellness
Teleconsultations and diet / nutrition consultations.
Also included / available: add-ons: Consumables Benefit, TransiCare Wallet (up to ₹3 lakh more during a job change), Inbound Emergency Hospitalisation for NRIs/OCIs visiting India, Room Category Select.
Is It Right for You?
Who TATA AIG MediCare Reserve Suits — and What to Check
Our honest view, so you buy with open eyes:
Good for
- People with employer cover who want their own large cover — and protection between jobs (TransiCare)
- Families who want a top-up today that can work like a base policy later
- NRIs (30% discount and inbound cover add-on)
Check before you buy
- Entry only up to age 55
- 36-month waiting period for pre-existing and specified diseases
- Deductible options — we show you the choices
Compare
Compare TATA AIG MediCare Reserve With Similar Plans
We never sell just one plan. We put TATA AIG MediCare Reserve side by side with plans like these and show you the difference for your family:
Buy, Port or Claim
Buy or Port to TATA AIG MediCare Reserve in Guwahati & Assam
No office visit — on a phone call or WhatsApp, for families in Guwahati, Dibrugarh, Jorhat, Tinsukia, Sivasagar, Shillong, Itanagar and anywhere in India.
- 1
Compare
We compare TATA AIG MediCare Reserve with other plans for your age, city and hospitals.
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Buy or Port
We fill the proposal with you — or move your existing policy at renewal, with your waiting-period credit.
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Claim Help
At claim time we help with cashless approval or reimbursement — in Assam or in Chennai, Hyderabad, Delhi, Mumbai or Bangalore.
FAQ
TATA AIG MediCare Reserve — Questions
A super top-up with a sum insured of ₹5 lakh to ₹5 crore and policy terms of 1 to 5 years. Claims in a year are added up, and after the aggregate deductible it pays up to the sum insured.
Yes — the aggregate deductible can be waived at renewal after five continuous policy years.
Adults from 18 to 55; children from 0 days to 25 years (under 5 only with a parent).
Both are TATA AIG super top-ups. MediCare Reserve offers ₹5 lakh to ₹5 crore, 1–5 year terms, a deductible waiver after 5 years and add-ons like TransiCare Wallet. MediCare Plus has no age bar, a cumulative bonus of 50% to 100% and optional global cover. We compare them for you.
Yes. We arrange TATA AIG MediCare Reserve on call or WhatsApp, compare it with other plans first, and help you at claim time — no extra fees.
Get a TATA AIG MediCare Reserve Quote
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