About Tata AIG MediCare Premier Plan
Tata AIG MediCare Premier provides extensive medical coverage to people within India and abroad. It offers worldwide coverage for planned treatments and allows unlimited restoration of the sum insured with the Restore Infinity Plus benefit. The plan also covers maternity expenses of the insured women along with newborn baby treatments due to delivery complications and its first-year vaccinations.
Tata AIG MediCare Premier Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to 3 crore |
| Pre-policy Medical Check-up | Not required for up to 55 years |
| Pre-existing Diseases Waiting Period | 2 years |
| Discount | Up to 32% family floater discount Up to 10% long-term discount 2% discount on non-availability of global cover |
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Key Benefits of Tata AIG MediCare Premier Plan
Tata AIG MediCare Premier Plan Inclusions, Exclusions & Optional Cover
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In-patient TreatmentIt pays for the cost of hospitalization of at least 24 hours, including room rent, doctor's fees, nursing charges, etc.
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Global Cover for Planned HospitalizationIt covers the hospitalization expenses incurred abroad on planned treatments, provided the disease or medical condition was diagnosed in India. It also covers the medical visa charges for policyholders with a sum insured of above ₹50 lakh.
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Bariatric Surgery CoverIt pays for the cost of bariatric surgery or weight-loss surgery obtained on the doctor's recommendation.
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Road Ambulance CoverIt covers the charges for availing road ambulance services to transport the insured to the hospital during a medical emergency.
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Maternity CoverIt pays for the maternity expenses incurred during pregnancy and childbirth.
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Delivery Complications CoverIt covers the cost of newborn baby's treatments resulting from delivery complications.
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Intentional Self-injuryIt does not cover the costs of treating injuries caused due to intentional self-harm or attempted suicide.
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Adventure or Hazardous Sports InjuriesIt excludes the cost of treatment for injuries incurred from adventure sports like rafting, sky diving, mountaineering, parajumping, etc.
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Cosmetic or Plastic SurgeryIt does not cover cosmetic surgeries or treatments taken to change appearance for beautification purposes.
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Sterility and Infertility TreatmentsIt does not cover costs for sterilization, surrogacy, and assisted reproductive treatments like IVF, GIFT, etc.
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Sexually Transmitted DiseasesIt excludes medical expenses arising from the treatment of sexually transmitted diseases or venereal diseases.
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Stem Cell TherapyIt does not cover expenses incurred on medical procedures that use stem cell treatment.
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Inflation ProtectIt enhances the sum insured of the policy based on India's inflation rate regardless of the policyholder's claim history.
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Restore Infinity PlusIt recharges the policy sum insured unlimited times a year in case it gets exhausted before the renewal date.
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Cumulative Bonus ShieldIt keeps the existing cumulative bonus intact even if the policyholder files a claim during the policy year.
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Voluntary Aggregate DeductibleIt offers a discount on the Tata AIG health insurance premium if the policyholder opts for a voluntary deductible of ₹50,000.
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Global SurakshaIt covers the cost of availing second medical opinion from doctors outside India and pays a daily allowance for obtaining treatments overseas. However, the daily cash benefit is subject to a deductible of 2 days.
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Mental WellbeingIt allows the insured to access mental wellbeing services, including psychological counselling, mental health screening, vocational rehabilitation, consultations with nutrition psychologists, stress management programs and alcohol/drug addiction cessation programs.
Tata AIG MediCare Premier Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Initial Waiting Period | 30 days |
| Pre-existing Diseases Waiting Period | 2 years |
| Specified Diseases Waiting Period | 2 years |
| Maternity Cover Waiting Period | 4 years |
| Vaccination Cover Waiting period for Listed Vaccines | 2 years |
| OPD Cover Waiting Period (Including Dental) | 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 Premier Plan: FAQs
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Q: What is the maximum entry age in MediCare Premier plan?
Ans: The Tata AIG MediCare Premier plan comes with a maximum entry age of 65 years for adults and 25 years for dependent children.
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Q: Does Tata AIG Medicare Premier cover critical illness?
Ans: The Tata AIG Medicare Premier does not make a lump sum payment on the diagnosis of any critical illnesses. However, the insurer can reimburse the hospitalization expenses incurred during the treatment.
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Q: What is the health check-up benefit in MediCare Premier plan?
Ans: The health check-up benefit under the Tata AIG MediCare Premier plan pays for the cost of preventive medical check-ups of the insured every year.
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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
