Tata AIG Medicare Protect 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 Protect Health Insurance
Medicare Protect Policy offered by Tata AIG General Insurance Company is a robust medical insurance plan that comes with the right set of features and benefits. The policy comes with a variety of sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh that you can choose as per your requirement. The minimum and maximum entry age for the policy is 91 days and 65 years respectively and you can buy it for 1 year, 2 years, or 3 years, as per your budget and requirement. Apart from self, the policy can cover up to 7 members. These include self, spouse, up to 3 dependent children and up to 2 dependent parents. The policy comes with an initial waiting period of 30 days during which no claims can be made.
The policy offers coverage for various healthcare expenses such as in-patient hospitalisation expenses, ambulance cover, organ donor expenses, domiciliary hospitalisation expenses, AYUSH benefits, pre-hospitalisation expenses, post-hospitalisation expenses, health check-up, compassionate travel expenses, etc. Other benefits that the policy offers you include tax benefits, free look period, option to avail accidental death rider by paying a little extra health insurance premium, lifetime renewability benefit, option of sum insured enhancement at the time of renewal, etc.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation expenses
- Organ donor expenses
- Cover for ambulance expenses for up to Rs. 1,000 per hospitalisation
- Pre-hospitalisation and post-hospitalisation expenses
- Treatments taken under AYUSH systems of medicines
- Compassionate travel expenses for up to Rs. 20,000
What's Not Included
- Hospitalisation for the purpose of investigation
- ntentional self-injury including attempt of suicide
- Treatment given by a Medical Practitioner that is outside his discipline
- Claims made during the waiting period is not covered
- Treatment of congenital external diseases, anomalies etc
- Insured committing breach of law with criminal intent
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FAQs on Medicare Protect Policy Health Insurance Plan
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What are the waiting periods under Medicare Protect Policy?
Medicare Protect Policy comes with the following waiting periods:
- Initial waiting period of 30 days from the date of commencement of policy
- Waiting period of 24 months for listed illnesses/treatments
- Waiting period of 48 months for pre-existing conditions
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Is pre-policy check-up required to be covered under Medicare Protect Policy?
Until 5 years of age, there is no requirement of medicals or Tele Medical Examination Report to be covered under Medicare Protect Policy. However, people aged between 46 years and 65 years require a Tele Medical Examination Report (TeleMER).
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Who all can be covered under Medicare Protect Policy?
Medicare Protect Policy covers up to 7 members. These include self, spouse, up to 3 dependent children and up to 2 dependent parents.
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Is there any free look period provided under Medicare Protect Policy offered by Tata AIG General Insurance Company?
Yes. If covered under Medicare Protect Policy, you can avail free look period of 15 days during which you can go through the policy terms and conditions and understand it better.