About Tata AIG MediCare LITE Plan
Tata AIG MediCare LITE is a comprehensive health insurance plan available on a family floater or individual basis. It provides a 100% restoration benefit once a policy year if the balance sum insured amount is insufficient to pay for a claim. This Tata AIG health insurance policy also provides coverage for bariatric surgery, second medical opinion, compassionate travel, annual health check-ups, teleconsultations, etc.
Tata AIG MediCare LITE Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹20 lakh |
| Pre-Policy Medical Check-up | May be required |
| Pre-existing Diseases Waiting Period | 36 months |
| Discounts | Up to 32% family floater discount Up to 10% long-term discount |
| Co-payment | 20% if the insured’s entry age is 61 years or above 30% if treatment is taken outside the network of valued providers - Pan India |
or select from popular citiessMedicare Lite Features
Search Medicare Lite Cashless Network Hospital list
Key Benefits of Tata AIG MediCare LITE Plan
Tata AIG MediCare LITE Plan Inclusions, Exclusions & Optional Cover
-
In-patient TreatmentIt covers the insured’s hospitalisation of a minimum of 24 continuous hours.
-
Day Care TreatmentIt covers the cost of day care treatments that require less than 24 hours of hospitalisation.
-
Pre-Hospitalisation ExpensesIt covers medical expenses incurred up to 60 days prior to the insured’s hospitalisation.
-
Post-Hospitalisation ExpensesIt covers medical costs incurred up to 180 days after the discharge of the insured from the hospital.
-
Domiciliary HospitalisationIt covers the expenses related to domiciliary treatment of more than 3 days, which takes place at home on doctor’s advice but would otherwise have required hospitalisation.
-
Medical Second OpinionIt allows the insured to get a second medical opinion from the insurer’s empanelled doctors once during a policy year if diagnosed with any of the 9 listed illnesses.
-
Maternity expenses
-
Cosmetic or plastic surgery
-
Injuries due to participation in hazardous or adventure sports
-
Treatments received in health hydros, nature cure clinics & spas
-
Hazardous or adventure sports-related injuries
-
Sterility and infertility treatments
-
Accidental Death BenefitIt pays compensation for up to 100% of the sum insured in case the insured meets with an accident leading to their death within 365 days.
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
Explore Other Health Insurance Plans
Tata AIG MediCare LITE Plan: FAQs
-
Q1. What is the entry age for an adult in the Tata AIG MediCare LITE plan?
Ans: The entry age for the Tata AIG MediCare LITE plan is 18 years to 65 years. -
Q2. Is Tata AIG MediCare LITE cashless?
Ans: Yes. The Tata AIG MediCare LITE plan offers cashless treatments at network as well as non-network hospitals with the cashless everywhere facility. -
Q3. Which type of room category is covered under the Tata AIG MediCare LITE plan?
Ans: A single private room is covered under the Tata AIG MediCare LITE plan.
-
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.
-
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.
-
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.
-
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
