Tata AIG Medicare Plan

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      Tata AIG Medicare Plan

      Tata AIG Medicare policy is one of the popular health insurance plans in India. In terms of coverage, the Tata AIG Medicare Insurance Policy offers every possible benefits one could ask for under a health insurance cover, starting from COVID coverage to cashless benefit in 5200+ network hospitals.

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      Tata AIG Medicare: Key Highlights

      Type Individual or Family Floater
      Cashless Treatment 5800
      COVID Covered
      Global Coverage Available in Medicare & Premier variant
      Savings Available in floater plan up to 32%
      Daily Cash Benefit Rs 2000

      *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply 

      Coverage Offered

      Tata AIG health insurance policy is available in 2 variants: Medicare Protect and Medicare Premier. The policy base cover includes:

      • In-patient Hospitalization: Cashless quality treatment is available in 5800+ network hospitals across India.
      • Pre and Post Hospitalization Expenses: The indemnity coverage is offered for 60 days and 90 days, respectively, supplementary to hospitalization.
      • Day Care treatment: The coverage extends to 540 plus listed procedures and surgeries that do not require overnight stay in the hospital.
      • Domiciliary Hospitalization: The policy covers treatment at home for want of a hospital bed. It also covers pre and post-hospitalization expenses.
      • Organ Donor: The medical and surgical cost of harvesting an organ is covered where the recipient is the insured.

      Inclusions of the Plan

      Individuals can buy Tata AIG Medicare Insurance Policy; and avail of numerous facilities that makes the cover genuinely comprehensive.

      Significant Covers:

      • In-patient Dental Treatment
      • AYUSH Treatment
      • Ambulance Charges
      • Health Check-up
      • Second Opinion
      • Vaccination Benefit
      • Cost of hearing-aid
      • Daily Cash Benefit for shared accommodation and accompanying an insured child
      • Compassionate travel limited to Rs 20,000

      Optional Cover:

      • Accidental Death Benefit: A payout equal to the sum insured is paid for death for one year caused directly by accident within the policy period.

      Exclusions of the Plan

      The exclusions under this policy are categorized as one with a waiting period clause and permanent exclusions:

      Waiting Period:

      • The cover is not available during the first 30 days for an illness-related claim, except for accidental injury.
      • There is no indemnity for specified diseases till the expiry of 24 months from the policy inception.
      • Pre-existing diseases are not covered for 36 months from the policy inception date.

      Permanent Exclusions: The indemnity is not available for the base coverage, and the optional cover is caused by a long list of conditions and situations. The insured must consult the policy document for absorbing the implications of medical and non-medical exclusions.

      Features & Benefits of the Tata AIG Medicare Policy

      The policy comes with the following features and benefits:

      • Sum Insured: Available from Rs 3 Lakh to Rs 20 Lakh.
      • Policy Term: 1, 2, and 3 years with lifelong renewability.
      • Global Cover: The insured will receive international coverage, provided the illness is diagnosed in India, and the travel abroad is for receiving treatment.
      • Bariatric Surgery: The cover is available to the insured over 18 years of age subject to complying with the policy schedule conditions.
      • Consumable Benefit: It covers listed specified consumables used during hospitalization.
      • Restoration of Sum Insured: The full sum insured is restored when the cover is thoroughly exhausted during the policy period. The coverage can be used by the insured after 45 days from the earlier hospital discharge.
      • Tax Benefit: The premium paid in the policy by means other than cash is tax-exempt as per prevailing laws under the Income Tax Act, 1961.

      Eligibility Criteria

      The policy comes with the following eligibility condition:

      Type Individual or Family Floater
      Minimum Entry Age

      Dependent Child: 91 days

      Floater: Child up to 25 years.

      Others: 5 years

      Maximum Entry Age

      Dependent Child: 5 years

      Others: 65 years

      Parents and Parents-in-Law: Above 65 years

      The Number of people covered:

      Individual, Maximum 7 members

      Family Floater:  Maximum 7 members

      Residential Status Resident Indian Citizens and others primarily residing in India

      Cancellation Terms of the Policy

      The insured can terminate the policy after tendering a 15-day notice to receive a refund as per rules. Likewise, the insurer can also terminate the policy by serving a 15-day notice on the grounds of moral hazards.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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