🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read Bio
The Tata AIG Global Combo Plan and Tata AIG MediCare Plan are the two most prominent health insurance policies that Tata AIG will offer to individuals and families in 2025 when choosing the suitable health insurance policy. Both plans are known to cover all aspects of healthcare and provide customer care, although each has its own focus and list of features.
This article provides a head-on comparison of Tata AIG Global Combo Plan and Tata AIG MediCare Plan, comparing them in terms of their suitability, benefits, main characteristics and disadvantages. The goal is to make you have an educated and confident decision that suits your healthcare needs.
It is very important to know the purpose of these plans before you settle on them.
Tata AIG Global Combo Plan offers a mix of domestic and international health insurance and is suitable to those who travel frequently, NRIs coming to India or families that have to be separated due to borders. It extends beyond the normal mediclaim policies to include Indian as well as overseas medical treatment expenses.
Tata AIG MediCare Plan on the other hand is a conventional health cover with significant extensions and options. It specialises in the coverage of broad scope of hospitalisation, day-care procedures and critical illness in India.
Did you know? Policyholder needs of international coverage have increased by close to 20 percent amid Indian policyholders in 2025 due to the fact that more people are traveling internationally after the pandemic.
The Tata AIG Global Combo Plan is unique even in its combination of international and domestic cover. Its core features include:
Key highlights:
Tata AIG MediCare Plan is a long-standing popular choice of Indian families because of its traditional healthcare services:
Key highlights:
Pros
Cons
People Also Ask:
Q: Does Tata AIG Global Combo Plan cover all countries in 2025?
A: It includes majority of countries with the exception of limited territories. You should always ask whether your destination will be covered during purchase.
Professional advice: Insurance consultants would suggest the Global Combo Plan when you are likely to receive medical care outside India since it would be very costly to be hospitalised abroad without insurance.
Pros
Cons
People Also Ask:
Q: Will the MediCare Plan be aiding AYUSH treatments in 2025?
A: Yes, generally Tata AIG MediCare Plan covers AYUSH in in-patient treatments in registered institutes.
Did you know? In the urban portfolio of Tata AIG in 2024-25, close to 70 percent of health insurance claims were paid in cash within seven days.
Price is one of the most important concerns of the majority of policy buyers. This is an example of a 35-year old male and the individual coverage up to the year 2025:
| Plan | Sum Insured | Premium (Annual Approx) | Coverage Region |
|---|---|---|---|
| Global Combo | 20 lakh | 42,000 rupees | Worldwide |
| MediCare | 10 lakh | 9,400 rupees | India alone |
| Global Combo (Family) | 1 crore (4 pax) | 2,85,000 rupees | Worldwide |
| MediCare (Family) | 10 lakh (4 pax) | 28,200 rupees | India only |
Note: Premiums can be different according to the city, age, medical history and optional add-ons.
People Also Ask:
Q: Is Global Combo Plan worth paying the increased premium?
A: It is frequently worthwhile, especially when you or one of your family members travels regularly or intends to study, work or live in a foreign country. In the case of pure domestic needs, the MediCare plan is just enough.
Professional opinion: The possible limitations on claims and currency problems make it dangerous to purchase a domestic policy and expect it to reimburse you in case of an emergency abroad, according to insurance professionals.
| Characteristic | Global Combo Plan | MediCare Plan |
|---|---|---|
| Coverage Area | India and Overseas | Only Within India |
| Sum Insured Options | To 5 crores | To 10 lakh |
| Emergency Evacuation | Covered Worldwide | No |
| Cashless Hospitals | India and Abroad | Only India |
| Better | Better Coverage | Better Priced |
| Wellness / Telemedicine | Globally | Based in India |
| Ideal For | NRIs, Global Citizens | Indian Residents |
| OPD (Overseas) | Yes | No |
Both plans have floater options to the Indian nuclear or joint families. The distinction however is in extent and cost of cover.
People Also Ask:
Q: NRIs Can parents residing in India use MediCare?
A: Yes, NRIs are able to purchase MediCare plans to parents / relatives living solely in India and this is affordable in terms of taking care of the elders.
Did you know? By 2025, parents of Indian students abroad have started more than 40 percent of new Tata AIG Global Combo purchases.
Cashless Network
Claim Settlement
People Also Ask:
Q: Does the two plans have 24 x 7 customer helplines in 2025?
A: Yes, Tata AIG has global customer support and assistance lines on both plans with overseas emergency special helpdesks.
Pro experience: It is always advisable to carry insurance e-card and report to the insurer whenever there are sudden hospitalizations in order to avoid cases of delays in approval.
Waiting Periods
Exclusions
People Also Ask:
Q: Is it possible to upgrade your MediCare to Global Combo to move abroad?
A: Yes, Tata AIG provides the advantage of existing policyholders to change plans or upgrade their cover upon renewal depending on the eligibility.
| Option | Global Combo | MediCare |
|---|---|---|
| Coverage Region | India and the globe | India alone |
| Sum Insured | 10 lakh to 5 crore | 2 lakh to 10 lakh |
| Premium Range | 40,000-3 lakh rupees | 9,000-35,000 rupees |
| Best For | Travellers, NRIs, expats | Indian families |
| Emergency Evacuation | Yes | No |
| OPD Coverage Abroad | Yes | No |
| Hospital Network | Global | Pan India |
| AYUSH Treatments | Limited | Included |
| Maternity Benefits | Limited | Yes, on waiting basis |
The Tata AIG Global Combo Plan best suits the needs of the people that are international and have the world comprehensive coverage, a large sum insured and emergency evacuation at a higher price. The Tata AIG MediCare Plan is a cost effective and efficient Indian resident, with expansive local network and useful family benefits.
The selection should be based on the travelling habits, the country of living, the expected medical expenses, and the budget. You should always remember to read the policy leaflet before you purchase.
Q: Which is the most suitable insurer to cover overseas medical in 2025, Tata AIG?
A: The Global Combo Plan of the Tata AIG is one of the most sophisticated programs where an Indian policy holder can get but always make comparisons with other overseas plans depending on your destination.
Q: Does one person purchase both plans?
A: Yes technically because it maximises domestic and overseas coverage, however you have to inform the insurer to avoid duplication problems.
Q: Does both the plans cover COVID19 and new age diseases in 2025?
A: Yes, both the plans cover provisions on claims related to pandemics according to IRDAI guidelines, which are subject to terms.
Q: Does Global Combo and MediCare both have lifelong renewability?
A: Yes, they both have a lifelong renewability, although premium rates can rise on the basis of age and claims history.
Q: Am I allowed to pay Global Combo on a foreign currency?
A: In the case of foreign policies, Tata AIG accepts the major currency payment through authorised agents or bank transfer.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
