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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.
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It is not easy to compare health insurance where the alternatives are of respected names such as Tata Aig. Two of their plans, such as Tata Aig Global Combo Plan and Tata Aig Mediplus Plan, are one of the most extraordinary plans in India, which include individual and family health insurance programs in 2025. Each brings unique value. The selection of the most favorable one to you, your family, or your parents will be based on the needs, preferences, and anticipated healthcare costs.
This is a detailed guide to both plans, its features, benefits and drawbacks, new policy regulations as of 2025 and help you choose the correct insurance cover as the cost of health care continues to increase in the world and in India.
Tata Aig Global Combo Plan is meant to provide a cover to such individuals who are frequently travelling internationally, working in the initial overseas assignments and families where they need to be assured of having a safety net in India and abroad. It provides an extensive coverage of medical treatment across different countries of the world, and policyholders can receive an adequate healthcare in various countries.
Tata Aig Mediplus Plan is a low cost top-up health cover that is supposed to be used as supplement to your normal insurance. It suits salaried people or families who are in the middle or those who just want to be insured against the high value hospitalisation bill when they exceed the amount of their basic policy cover (deductible).
Did you know?
A survey conducted in 2025 indicated that almost 35 percent of Indian families that travelled across the globe either on work or leisure did not have an inclusive global health cover which frequently led to high out of pocket costs.
Take a snapshot using the following table:
| Features | Tata Aig Global Combo Plan | Tata Aig Mediplus Plan |
|---|---|---|
| Coverage Region | Global (incl. India) | Pan-India only |
| Sum insured options (2025) | 20 lakh to 5 crore | 2 lakh to 30 lakh |
| Deductible | None (except add-on) | Mandatory deductible |
| Cashless Network | Hospitals globally + India | Indian hospitals (6000+) |
| Outpatient & Maternity | Add-on possible | Not possible |
| Pre Existing Waiting Period | 3 years | 2 years |
| Premium (age 35, SA 20 L) | 46,000 INR approx | 6,700 INR approx |
| Portability | Yes | Yes |
| International Emergency | Yes | No |
(2025 indicative data; premium is dependent on age and city)
Pros
Cons
Pros
Cons
Expert Insight:
According to health policy consultants, the reason why Mediplus is often chosen is because the base insurance provided by their employer is insufficient. Frequent fliers and expats mostly prefer Global Combo.
Q. Can I use Global Combo Plan even when I am not traveling overseas?
A. The value of the plan is lower to the residents that do not travel abroad. There are cheaper domestic-only plans such as the Mediplus that might be more appropriate in case you remain in India all year round.
International Combo: Registered with the international assistance desk of Tata Aig. Transfer medical records and invoices. Most of the network hospitals provide cashless within 24 hours; otherwise within 7 to 14 working days.
Mediplus: Present policy card to hospital when hospitalising above the deductible amount. Settlement is largely cashless. Any form of documentation can be done through the online portal of Tata Aig.
People also ask:
Q. Is the Mediplus plan applicable to treatments with a deductible limit?
A. No, Mediplus does not start paying until you have paid first deductible (the amount you choose; e.g., first 2 lakh rupees made by basic plan or your pocket).
Did you know?
In 2024, the top-up plans settled more than 40 percent of claims worth higher than INR 10 lakh in Indian metros since costs were higher than the base coverage.
Since global coverage is offered, the Global Combo Plan premium is much more expensive than the Mediplus Plan with the same sum insured.
| Age Group | 20 Lakhs Sum Insured | Global Combo Premium | Mediplus Premium |
|---|---|---|---|
| 30 | 46,000 INR | 6,200 INR | |
| 45 | 66,500 INR | 10,800 INR | |
| 60 | 1,29,500 INR | 18,400 INR |
There is a moderate increase in the Mediplus premiums with age. The rates of Global Combo Plan increase at a stiffer pace, particularly after 45 years.
People also ask:
Q. Can I claim to both my base policy and Mediplus to the same hospitalisation?
A. Yes. First, you claim to the extent of sum insured in your base plan. After paying up the deductible, Mediplus top-up covers the remaining balance to its insured limit.
Global Combo Plan: It provides such options as critical illness cover (30 plus diseases), personal accident cover, air ambulance, daily cash, maternity and newborn cover.
Mediplus Plan: Introduces critical illness rider in 2025. Nevertheless, does not provide outpatient and international add-on emergency care.
Expert Insight:
Maternity riders will be in demand in the year 2025, with young couples opting to use Global Combo since it covers delivery and newborn cost both in India and other countries at an additional premium.
It is a common standard in Global Combo Plan to have a 3 year waiting period of pre existing diseases (PED), which is a little more than other plans such as Mediplus of 2 years.
Neither of the plans covers cosmetic procedures or claims that are related to substance abuse or untested treatment.
Both schemes permit portability under the IRDAI standards and it is possible to switch insurers in case you desire to change in a year after taking the scheme.
People also ask:
Q. Would my Mediplus Plan accompany me to a foreign country working?
A. No, Mediplus is not valid other than in India. You would require such a plan as Global Combo to cover abroad.
Tata Aig has different plans that serve different profiles. Global Combo Plan is open to those who require medical coverage in the entire world and they are prepared to pay extra premiums. The cheaper option is Mediplus Plan, which is a supplement to more extensive claims than your primary health in India, but to Indian-obtained treatments only.
Which one to choose between Tata Aig Global Combo Plan and Mediplus Plan?
Calculate your projected frequency of traveling, international healthcare requirement, and your prevailing health cover. When you require treatment in a global manner, then opt with Global Combo. To augment the current domestic insurance, choose Mediplus.
What does a deductible mean in a health insurance program?
Deductible is the least amount that you will have to contribute to your pocket before your plan will begin covering hospitalisation expenses. Mediplus is an additional coverage that comes on board after this specified limit.
Do the two plans exist in 2025 among senior citizens?
Yes, they both accept persons to the age of 65, and even 70 with a higher premium.
Are such plans inclusive of Covid 19 or the case of future pandemic?
According to the IRDAI regulations that are applicable in 2025, both Tata Aig plans include hospitalisation cost in the case of Covid 19 and other related diseases.
Is Tata Aig subjected to a waiting period of maternity in the Global Combo Plan?
Yes; the add-on benefit shall entail a 2-year waiting period before maternity costs are covered as of 2025.
How old are these plans as far as renewal is concerned?
Both Global Combo and Mediplus have lifelong renewal, which requires a regular premium payment, among other terms.
Can Tata Aig purchase, claim and renew online on these plans?
Yes, they both provide digital onboarding, claim filing, and renewal services via the Tata Aig portal of exclusive customers in 2025.
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).
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