Tata AIG Health Insurance or family

Tata AIG Health Insurance for family

TATA AIG Health Insurance for family provides a range of medical insurance coverage to a family under a single policy. It is a family health insurance policy by Tata AIG General Insurance Company Limited that takes care of the health needs of all family members at the time of need.

Key Benefits of TATA AIG Health Insurance for Family

Tata AIG Health Insurance for family provides the following key benefits:

Wide range of sum insured options, starting from Rs 2 lakh to Rs 1 crore
Cost of preventive health check-up covered after a block of claim-free years
Option to restore sum insured up to 100%
Cumulative bonus available if no claim is raised in the previous policy year
No pre-policy health check-up for people up to 45 years
10% discount on premium if opted for the shared room category
5% & 10% discount on opting for a 2-year or 3-year policy term respectively
Tax benefits apply on premiums under Section 80D, Income Tax Act

TATA AIG Health Insurance Plans for Family

Take a look at the various Tata AIG Health Insurance plans for families available in the market:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Tata AIG MediCare Plan	3 lakh to 20 lakh	36 months	View Plan
Tata AIG MediCare Protect Plan	2 lakh to 5 lakh	48 months	View Plan
Tata AIG MediCare Premier Plan	5 lakh to 50 lakh	24 months	View Plan
Tata AIG MediCare Plus Plan	3 lakh to 1 crore	36 months	View Plan

Eligibility Criteria for TATA AIG Health Insurance for Family

The following table represents the eligibility criteria to buy Tata AIG Health Insurance for family:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days 6 months
Maximum Entry Age	65 years	25 years
No of Family Members Covered	Self, spouse, dependent children, parents and parents-in-law
Renewability	Lifelong

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Inclusions of TATA AIG Health Insurance for Family

Tata AIG Health Insurance for family includes the following coverage:

In-patient Treatment
Consumables Benefit
Pre-hospitalization Expenses
Post-hospitalization Expenses
Day Care Procedures
Organ Donor
Domiciliary Treatment
AYUSH Benefit
Ambulance Cover
Compassionate Travel
In-patient Dental Treatment
Second Opinion
Bariatric Surgery Cover (excluded under MediCare Protect and Plus plans)
Vaccination Cover (excluded under MediCare Protect and Plus plans)
Hearing Aid (excluded under MediCare Protect and Plus plans)
Daily Cash for Choosing Shared Accommodation (excluded under MediCare Protect and Plus plans)
Daily Cash for Accompanying an Insured Child (excluded under MediCare Protect and Plus plans)
Global Cover (excluded under MediCare Protect and Plus plans)
Accidental Death Benefit (under MediCare Premier plan)
High End Diagnostics (under MediCare Premier plan)
Emergency Air Ambulance Cover (under MediCare Premier plan)
Maternity Cover (under MediCare Premier plan)
OPD Treatment (under MediCare Premier plan)

Optional Covers:

Accidental Death Benefit (excluded under MediCare Premier plan)
Global Cover (under MediCare Plus plan)

Exclusions of TATA AIG Health Insurance for Family

The following exclusions are excluded under Tata AIG Health Insurance for family:

Congenital external diseases/ anomalies/ defects
Intentional self-injury
Alcoholic pancreatitis
Sexually transmitted diseases
Treatment of drug abuse or alcohol addiction
Cosmetic or plastic surgery

Find the complete policy exclusions’ list by referring to the policy documents of Tata AIG Health Insurance for family.

FAQs

Q1. Are any waiting periods applicable to Tata AIG Health Insurance for family?
Ans: Yes. The following waiting periods apply to Tata AIG Health Insurance for family:
- Initial Waiting Period – 30 days
- Listed Illnesses and Treatment Waiting Period – 2 years
- Pre-existing Diseases Waiting Period – 3 years
- Vaccination Cover Waiting Period – 2 years
Q2. Do I have to pay a co-payment under Tata AIG Health Insurance for family?

Ans: Yes. You will have to pay a co-payment of 10% under Tata AIG MediCare policy if you get admitted to a higher hospital room category than opted.
Q3. Are there any deductibles under Tata AIG Health Insurance for family?

Ans: Yes. You will have to pay deductibles for each claim under Tata AIG MediCare plus plan.