Tata AIG Medicare Plus Health Insurance
Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 76.04% |
COVID-19 Cover | Yes |
Network Hospitals | 3,000+ |
Policies Sold | 2,20,583 |
Renewability | Lifelong |
About Tata AIG Medicare Plus Health Insurance
The Medicare Plus Policy offered by Tata AIG is an economical and affordable top-up policy that comes with several features and benefits that suit your needs. The policy reimburses for claims if the aggregate of medical expenses covered crosses the deductible mentioned in the policy document.
You can be the Proposer for the Medicare Plus TATA AIG Health Insurance policy if you are aged between 18 years and 65 years and include up to 7 family members including self, spouse, up to 3 dependent children, and up to 2 dependent parents. The policy comes with different sum insured and deductible options ranging between Rs. 3 Lakh and Rs. 1 Crore and Rs. 2 Lakh and Rs. 20 Lakh respectively. You can buy the policy for 1 year, 2 years, or 3 years, as per your budget and requirements.
TATA AIG Medicare Plus Health Insurance Policy offers wide coverage to the insured. This includes cover for in-patient hospitalisation expenses, second opinion, daycare procedures, pre-hospitalisation and post-hospitalisation expenses for a specific number of days, AYUSH benefit, ambulance cover, organ donor expenses, domiciliary treatment expenses, global cover (optional), and so on. Apart from coverage benefits, other benefits offered under the policy include tax deductions on the premium paid, lifelong renewal, cumulative bonus, etc. In short, the policy ensures complete well-being and protection for you and your loved ones.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- 60 days pre-hospitalisation and 90 days post-hospitalisation expenses
- Cover for more than 540 daycare procedure
- Ambulance expenses for up to Rs. 3,000 per hospitalisation
- In-patient treatment taken under AYUSH systems of medicines
- Cover for expenses incurred on domiciliary treatment
What's Not Included
- Hospitalisation for the purpose of investigation
- Expenses for treatment required due to intentional self-injury including attempt of suicide
- Alcoholic pancreatitis
- Insured committing breach of law with criminal intent
- Treatment by medical practitioner outside his discipline is not covered
- Treatment by medical practitioner outside his discipline is not covered.
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FAQs on Medicare Plus Policy Health Insurance Plan
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What are the sum insured and deductible options available under Medicare Plus Policy?
Medicare Plus Policy comes with sum insured options of Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, Rs. 50 Lakh, and Rs. 1 Crore and deductible options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh.
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What are the waiting periods under Medicare Plus Policy?
Medicare Plus Policy comes with the following waiting periods:
- Initial waiting period of 30 days calculated from the date of inception of the policy
- Waiting period of 24 months for listed illnesses or treatments
- Waiting period of 36 months for pre-existing conditions
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Who all can be covered under Medicare Plus Policy?
Can cover up to seven members. These include self, legally wedded spouse, up to 3 dependent children, and up to 2 dependent parents.
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What is the cumulative bonus under Medicare Plus Policy?
If covered under Medicare Plus Policy, you can avail a cumulative bonus of 50% for every claim free year up to a maximum of 100%. In case the claim is made during the policy period, then the cumulative bonus will reduce by 50% for the following year.