Tata AIG MediRaksha Health Insurance Wordings

This MediRaksha policy can be taken either for a 1 or 2 year period.

Yes, the plan offers two types of discounts to its customers which are as follows:

A) A family discount of 10%, if 2 or more members of a family are covered under the same policy on individual sum insured basis.
B) 7.5% discount on premium if insured person is paying a premium of 2 years in advance. 

Yes, this health insurance policy offers the coverage for pre and post hospitalisation as per the following terms:

1) Pre-hospitalisation costs are offered up to 1% of admissible claim amount or actual expenses, whichever is less per hospitalisation towards medical expenses incurred in 30 days before hospitalisation
2) Post-hospitalisation costs are provided up to 1% of admissible claim amount or actual expenses, whichever is less towards medical expenses incurred in 60 days immediately after discharge post hospitalisation

Yes, the plan covers the medical expenses pertaining to an organ donor’s treatment for harvesting of the organ donated. 

Yes, you can gain a tax benefit with this health plan as the premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.