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Tata AIG Criticare- Critical Illness Cover


This policy aims to cover major illnesses which can otherwise become a drain on a family's finances. It can be bought along with the basic health policy for an enhanced coverage in worst situation.

Suited for

Anyone between 18 and 60 years of age can enroll under this policy.

What does it do?

This policy will pay sum insured in a lump sum, or as agreed upon in the policy document, if insured person is diagnosed with any of the covered critical illnesses and survives for 30 days after diagnosis. It covers 11  chronic diseases.
A second opinion on insured's illness can be arranged from a panel of doctors in the USA. However, pre existing illnesses or related conditions are not covered.


It allows online renewals.
Premium paid is eligible for tax benefit under section 80D of the Income Tax Act.


It covers only 11 illnesses and does not allow lifelong policy renewal.

Our View

Those with family history of critical illnesses mentioned, must go for such a policy. This policy is not a substitute for basic health cover but it can be bought along with a basic health policy to enhance the coverage in worst case scenario.

Entry Age (years) 
Maximum Policy Renewal Age (years)65
Coverage TypeIndividual
Sum Insured (Rs) 
Policy Term (years)1
Pre Policy Medical Check UpNot required
Policy TerminationInsurance company may cancel the policy by giving a 7 days notice. It will refund a portion of premium as stated in the policy document.
Customer Service 
AddressRegistered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01
Mail to[email protected]
Call to1800-266-7780
SMSTAG to 5616181
Additions to the Plan
Scope of Cover
Critical Illnesses
First Heart Attackcovered with exclusions
Cancer (excluding skin cancer)
Kidney failure
Major Organ Transplant
Major burns (covers atleast 20% of the body surface)
Multiple Sclerosis
Total Blindness
Coronary Artery Bypass Surgery
Other benefit(s)
Second Opinionarranges an independent opinion based on medical and diagnostic reports from a panel of doctors in USA
Exclusions and Waiting Period
Pre-existing illnesses or related conditionnot covered
Waiting periodany disease contacted during initial 90 days following the policy issue date will not be allowed
Survival period30 days from diagnosis of the illness
Annual Premium
Sum Insured (in Rs)
Age (in years)2.5 lakh3.5 lakh5 lakh7.5 lakh10 lakh15 lakh
Premiums are exclusive of service tax and cess.