Tata AIG MediCare Premier Plan

Tata AIG MediCare Premier Plan

Tata AIG MediCare Premier provides extensive medical coverage to people within India and abroad. It offers worldwide coverage for planned treatments and allows unlimited restoration of the sum insured with the Restore Infinity Plus benefit. The plan also covers maternity expenses of the insured women along with newborn baby treatments due to delivery complications and its first-year vaccinations.

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This Tata AIG health insurance plan safeguards cumulative bonus from claims with the Cumulative Bonus Shield benefit and enhances the sum insured as per the inflation rate with the Inflation Protect cover. Moreover, annual health check-ups, OPD cover, consumables cover, mental wellbeing services, etc., are also available under this plan.

Tata AIG MediCare Premier Plan: Key Highlights

Benefits of Tata AIG MediCare Premier Plan

Here are the key benefits of buying a Tata AIG MediCare Premier plan:

1. Global Coverage

   With this global health insurance plan, policyholders can avail worldwide medical coverage for planned treatments if the diagnosis for the illness was made in India. In case of more than ₹50 lakh sum insured, the insurer will also pay for the cost of obtaining the medical visa.

2. Coverage for OPD Expenses

   This Tata AIG health insurance plan covers the cost of outpatient doctor consultations, dental treatments and medicines under the OPD treatment cover.

3. Maternity Cover

   As part of the maternity insurance benefit, the insurer will pay for the medical expenses resulting from pregnancy and childbirth, including newborn baby treatments due to delivery complications and newborn baby vaccinations.

4. Automatic Restoration of Sum Insured

   With the automatic restore benefit, the policy coverage amount can be recharged by 100% during the policy year in case the sum insured is exhausted before the renewal date.

5. Annual Health Check-ups

   Policyholders can avail annual health check-up facilities at any network provider of the insurance company with this plan.

6. Cumulative Bonus

   If no claims are filed in the previous policy year, the Tata AIG General Insurance Company will grant a cumulative bonus that enhances the sum insured by 50% for a maximum of 100%.

7. Wellness Services

   Under this health insurance policy, people can avail unlimited teleconsultations along with ambulance booking facilities, diet & weight management programs, and stress management programs. It also comes with an emergency 'Help Me' feature and redeemable vouchers or discounts on healthcare services.

8. Wellness Program

   Policyholders can also access the wellness program, which involves health risk assessment, earning rewards and utilizing them for health check-ups and OPD services.

9. Tax Benefits

   Section 80D of the Income Tax Act enables policyholders to claim tax deductions on the premiums paid to purchase a Tata AIG MediCare Premier policy.

Tata AIG MediCare Premier Plan Eligibility Criteria

Take a look at the eligibility criteria to buy a Tata AIG MediCare Premier plan:

Inclusions of Tata AIG MediCare Premier Plan

The following coverage is included under the Tata AIG MediCare Premier plan:

• In-patient Treatment – It pays for the cost of hospitalization of at least 24 hours, including room rent, doctor's fees, nursing charges, etc.
• Global Cover for Planned Hospitalization – It covers the hospitalization expenses incurred abroad on planned treatments, provided the disease or medical condition was diagnosed in India. It also covers the medical visa charges for policyholders with a sum insured of above ₹50 lakh.
• Bariatric Surgery Cover – It pays for the cost of bariatric surgery or weight-loss surgery obtained on the doctor's recommendation.
• Road Ambulance Cover – It covers the charges for availing road ambulance services to transport the insured to the hospital during a medical emergency.
• Maternity Cover – It pays for the maternity expenses incurred during pregnancy and childbirth.
• Delivery Complications Cover – It covers the cost of newborn baby's treatments resulting from delivery complications.
• First Year Vaccinations – It pays for vaccination expenses of the newborn baby for the first year.
• High End Diagnostics – It covers the cost of high-end diagnostic tests, including PET CT, PET MRI, liver biopsy, CT urography and magnetic resonance cholangiography scan.
• Emergency Air Ambulance Cover – It pays for the emergency ambulance services availed through an aeroplane or helicopter to transport the insured to the hospital.
• Consumables Benefit – It covers the cost of consumables or non-medical expenses incurred during hospitalization, including gowns, syringes, masks, cotton, etc.
• Home Care Treatment Cover – It pays for the medical expenses incurred on availing treatments at home for listed illnesses. However, this benefit is only available for people with a sum insured of ₹75 lakh or more.
• Pre-Hospitalization Expenses – It covers the healthcare expenses incurred for up to 60 days before getting admitted to the hospital.
• Post-Hospitalization Expenses – It pays for the healthcare costs incurred for up to 90 to 200 days after hospital discharge, depending on the policy sum insured.
• Day Care Procedures – It covers the cost of availing all day care procedures that do not require hospitalization for 24 hours.
• Organ Donor Cover – It pays for the medical cost of harvesting an organ from a donor for the transplant surgery of the insured.
• Domiciliary Treatment – It covers the cost of availing medical treatments at home on the recommendation of the doctor if hospitalization is not possible.
• In-patient Dental Treatment – It pays for the in-patient hospitalization costs incurred on dental treatments arising out of an accidental injury or illness.
• AYUSH Benefit – It covers the cost of day care procedures and in-patient treatments availed through the AYUSH system of medicines.
• Second Opinion – It pays for the charges of availing second medical opinion for listed diseases from doctors within the insurer's network.
• Vaccination Cover – It covers the cost of obtaining vaccinations for rabies, HPV, typhoid, hepatitis A & B, tetanus, pertussis, diphtheria and pneumococcal.
• Hearing Aid – It pays for the medical expenses incurred on buying hearing aids once in every three years.
• Daily Cash for Choosing Shared Accommodation – It provides a daily cash allowance to the insured on opting for shared accommodation during hospitalization.
• Prolonged Hospitalization Benefit – It pays a lump sum amount in case the insured is hospitalized for more than 10 days.
• OPD Treatment – It covers the medical expenses incurred on availing outpatient consultations and medicines.
• OPD Treatment – Dental – It pays for the cost of OPD dental treatments, including tooth extraction, tooth filing and root canal treatment.
• Compassionate Travel – It covers the round-trip travel expenses of an immediate family member if the insured is hospitalized in another city or country.
• Accidental Death Benefit – It pays a lump sum amount to the nominee in case the insured dies directly due to an accident.
• Daily Cash for Accompanying an Insured Child – It provides a daily cash benefit to the person accompanying the insured child of below 12 years during hospitalization.

Optional Covers:

• Inflation Protect – It enhances the sum insured of the policy based on India's inflation rate regardless of the policyholder's claim history.
• Restore Infinity Plus – It recharges the policy sum insured unlimited times a year in case it gets exhausted before the renewal date.
• Cumulative Bonus Shield – It keeps the existing cumulative bonus intact even if the policyholder files a claim during the policy year.
• Voluntary Aggregate Deductible – It offers a discount on the Tata AIG health insurance premium if the policyholder opts for a voluntary deductible of ₹50,000.
• Global Suraksha – It covers the cost of availing second medical opinion from doctors outside India and pays a daily allowance for obtaining treatments overseas. However, the daily cash benefit is subject to a deductible of 2 days.
• Mental Wellbeing – It allows the insured to access mental wellbeing services, including psychological counselling, mental health screening, vocational rehabilitation, consultations with nutrition psychologists, stress management programs and alcohol/drug addiction cessation programs.

Exclusions of Tata AIG MediCare Premier Plan

The Tata AIG MediCare Premier plan excludes the following:

• Intentional self-injury
• Injuries due to participation in adventure or hazardous sports
• Cosmetic or plastic surgery
• Sterility and infertility treatments
• Sexually transmitted diseases
• Stem cell therapy
• Treatment for alcohol or drug addiction
• Dietary supplements and substances
• Unproven treatments

Tata AIG MediCare Premier Plan Waiting Periods

Check out the various waiting periods applicable to the Tata AIG MediCare Premier plan:

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