About Tata AIG MediCare Plan
Tata AIG MediCare Plan provides comprehensive medical coverage to individuals and families during medical emergencies or planned treatments. It offers worldwide coverage to the insured along with automatic restoration of the sum insured. The plan also comes with consumables cover, health check-up benefits and vaccination cover.
Tata AIG MediCare Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹3 lakh to 20 lakh |
| Pre-policy Medical Check-up | Not required for up to 45 years |
| Pre-existing Diseases Waiting Period | 3 years |
| Discounts | Up to 32% family floater discount 10% discount on shared accommodation Up to 10% long-term discount |
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Key Benefits of Tata AIG MediCare Plan
Tata AIG MediCare Plan Inclusions, Exclusions & Optional Cover
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In-patient HospitalizationIt covers the treatment cost of injuries and illnesses that requiring hospitalization of at least 24 hours.
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Pre-hospitalization ExpensesIt pays for the medical costs incurred for up to 60 days before hospitalization.
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Post-hospitalization ExpensesIt covers the medical costs incurred for up to 90 days after discharge from the hospital.
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Day Care TreatmentsIt covers the medical expenses incurred on availing 541 listed day care procedures and surgeries that do not require overnight stay in the hospital.
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Domiciliary HospitalizationIt covers the cost of medical treatments availed at home in case no hospitalization is possible on the recommendation of the treating doctor.
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Organ Donor ExpensesIt pays for the medical and surgical cost of harvesting an organ in case the insured is the recipient.
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OPD ExpensesIt excludes medical expenses related to outpatient treatments, including doctor consultations, diagnostic tests, etc.
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Maternity ExpensesIt does not cover expenses incurred in childbirth or the treatment of the newborn baby.
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Treatment for Alcohol or Drug AddictionIt does not pay for expenses incurred on treatments to curb alcoholism, drug or other addictive substances.
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Obesity and Weight-control TreatmentsIt does not cover fat loss or weight management-related expenses, unless advised by the doctor.
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Congenital External DiseasesIt does not cover expenses for treating any physical abnormalities present from birth.
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Stem Cell TherapyIt does not pay for medical procedures that use stem cell therapy to treat damaged or diseased cells.
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Accidental Death BenefitA fixed amount equal to the sum insured of the policy is paid to the nominee in case of the death of the insured directly due to an accident.
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Restore Infinity PlusIt restores the sum insured amount unlimited times a year in case of exhaustion before renewals.
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Cumulative Bonus ShieldIt safeguards the accumulated cumulative bonus even if the insured files a health insurance claim.
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Inflation ProtectIt increases the sum insured amount based on the previous year's inflation rate in India, irrespective of the claim history.
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Mental WellbeingIt provides mental health screening, psychological counselling, consultations with nutrition psychologists, vocational rehabilitation, stress management programs and cessation programs.
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Global SurakshaIt pays a daily cash allowance if the insured avails treatment outside India with a deductible of 2 days. It also provides a second medical opinion from network providers outside India in case the insured is diagnosed with a listed illness.
Tata AIG MediCare Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Initial Waiting Period | 30 days |
| Specified Disease/ Procedure Waiting Period | 2 years |
| Pre-existing Diseases Waiting Period | 3 years |
| HPV Vaccine Waiting Period | 2 years |
| Hepatitis B Vaccine Waiting period | 2 years |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Tata AIG MediCare Plan: FAQs
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Q: Is Tata AIG MediCare cashless?
Ans: Yes. The Tata AIG MediCare Plan offers cashless hospitalization benefits across India with the cashless everywhere facility
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Q: If I take treatment outside India, will my Tata AIG MediCare policy pay for it?
Ans: Yes. Your Tata AIG MediCare policy will pay for your in-patient hospitalization expenses and day care treatments abroad provided your illness was diagnosed in India.
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Q: Are vaccines covered in the Tata AIG MediCare Policy?
Ans: Yes. The Tata AIG MediCare policy covers the cost of vaccines for rabies, hepatitis B, HPV and typhoid. However, hepatitis B and HPV vaccines are available after a 2-year waiting period.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Tata AIG offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Tata AIG
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Tata AIG for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Tata AIG policy
- The network hospital will send the hospital bill to Tata AIG.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
