TATA AIG Medicare Plus

TATA AIG General Insurance Company Ltd.  offers a robust health insurance policy called TATA AIG Medicare Plus that comes with comprehensive coverage. This is a top-up policy that compensates the insured when the basic sum insured gets exhausted.

Read More

TATA AIG Medicare Plus

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    TATA AIG Medicare Plus: Key Highlights

    Type

    Top-up Policy

    Coverage Type

    Individual/Family Floater

    Sum Insured

    Up to 1cr.

    Tenure

    1, 2, 3 years

    COVID-19

    Covered

    Deductible Options

    Rs 2 lakh, 3lakh, 5 lakh, 10 lakh, 15 lakh & 20 lakh

    Coverage Offered

    One can buy the TATA AIG Medicare Plus plan and choose between the Individual or Family Floater option with a Sum Insured from 3 lakh up to Rs 1 crore.

    The plan offers coverage for the following:

    • In-patient benefits- Any hospitalization expenses incurred during the policy period are covered.
    • Pre-hospitalization- Pre- hospitalization expenses will be covered up to 60 days before the hospital admission date.
    • Post-hospitalization- Any medical expenses incurred post hospitalization will be covered up to 90 days.
    • Daycare Procedure- Expenses for daycare treatment up to 540 plus days are covered in the policy year.
    • Organ Donor- Organ donor's medical and surgical expenses are covered.
    • Domiciliary Treatment- In the case of domiciliary hospitalization for any treatment that requires admission to the hospital will be covered along with pre and post-hospitalization expenses.
    • In-patient Dental Treatment- Expenses towards a dental treatment needed due to an accident or illness will be covered.
    • AYUSH benefit - Treatment expenses incurred under Ayurveda, Unani, Sidha, or Homeopathy are covered, provided they are conducted in a government recognized hospital or center.
    • Ambulance Cover- Ambulance expenses up to Rs 3,000 per hospitalization for transportation from and to the hospital are covered.
    • Second Opinion- A second opinion can be availed of from the medical network providers in case a critical illness or disease is diagnosed.
    • Health Checkup- Once in every two-consecutive claim-free policy year, expenses incurred for a health check-up up to Rs 10,000 are covered.

    Inclusions of the Policy

    Apart from the basic coverage, the TATA AIG Medicare Plus policy also includes the following benefits.

    • Global Cover (optional cover)- If opted for a Global Cover, the insured person's hospitalization, including daycare and inpatient expenses, will be covered outside India as well.
    • Consumables Benefit- Expenses related to medical or surgical treatment during hospitalization are covered.
    • Cumulative Bonus- Cumulative bonus is rewarded for every claim-free year from 50% to a maximum of 100%. The accumulated bonus will be reduced by 50% in the next year if a claim is made during the policy year.
    • Aggregate Deductible- The insurer will only pay any claims made if the aggregate of expenses exceeds the deductible mentioned in the policy schedule. For family floater plans, the deductible will be per person per year.

    Exclusions of the Policy

    The following medical and non-medical expenses are excluded from TATA AIG Medicare Plus policy:

    • Alcoholic pancreatitis is not covered.
    • Medical tests or diagnostic tests are taken only for the purpose of evaluation are not covered.
    • Congenital External disease is not covered.
    • Treatment expenses for correction of eyesight due to the refractive error below 7.5 diopter are not covered.
    • Treatment taken from a medical professional which is not in his discipline is not covered.
    • Medical expenses incurred due to intentional self-injury is not covered.
    • Any treatment expenses incurred due to breach of law.

     *For a detailed list of exclusions, please refer to the policy document.

    Features and Benefits of the TATA AIG Medicare Plus Policy

    The main features and benefits of TATA AIG Medicare Plus Health Insurance are mentioned below:

    • The policy can be availed for 3 years.
    • Option to choose Global Cover for medical expenses incurred outside India
    • This offers a comprehensive coverage up to Rs 1 cr.
    • No pre-policy check-up is required.
    • Consumables benefit is provided.
    • A cumulative bonus of up to 100 % can be availed.
    • Deductible options are available.
    • The policyholder can avail family savings up to 10% for a 3-year policy and 5% for opting for a 2-year policy.

    Eligibility Criteria

    In order to avail this policy, one will have to meet the following eligibility criteria:

    Minimum Entry Age

    Child: 91 days and 5 years old (provided parent is covered)

    Adult: 18 years

    Maximum Entry Age

    65 years

    Number of people covered

    Up to 7 members (self, spouse, and up to 3 dependent children, up to 2 dependent parents)

    Residential Status

    Indian citizens and Permanent Residents

    Cancellation Terms of the Policy

    Information regarding cancellation of TATA AIG Medicare Plus Insurance policy is given below:

    • One can cancel the policy within a free look period of 15 days, and the refund will be provided unless any medical claim is paid by the insurer.
    • Beyond 15 days, the premium will be deducted proportionately 

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Sports & Gym Injuries?

    27 Jun 2022

    Gone are the days when only athletes and professional sports...
    Read more
    Health Insurance for Rural India

    24 Jun 2022

    Healthcare is expensive in India and is increasing with each...
    Read more
    Health Insurance for a Down Syndrome Child in India

    23 Jun 2022

    Down Syndrome is one of the most common genetic disorders in...
    Read more
    Income Tax Slab for Women: Guide to Exemptions and Rebates

    22 Jun 2022

    In India, every person who earns beyond a certain limit is liable...
    Read more
    Is Coconut Water Diabetic Friendly?

    22 Jun 2022

    Coconut water is an excellent beverage for people struggling with...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    How to apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    Ayushman Bharat health insurance is a flagship scheme launched by the Government of India, as per the...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more
     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL