Tata AIG MediCare Premier Plan

Inclusion of Tata AIG MediCare Premier Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

1. In-patient Treatment

   It pays for the cost of hospitalization of at least 24 hours, including room rent, doctor's fees, nursing charges, etc.
2. Global Cover for Planned Hospitalization

   It 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.
3. Bariatric Surgery Cover

   It pays for the cost of bariatric surgery or weight-loss surgery obtained on the doctor's recommendation.
4. Road Ambulance Cover

   It covers the charges for availing road ambulance services to transport the insured to the hospital during a medical emergency.
5. Maternity Cover

   It pays for the maternity expenses incurred during pregnancy and childbirth.
6. Delivery Complications Cover

   It covers the cost of newborn baby's treatments resulting from delivery complications.
7. First Year Vaccinations

   It pays for vaccination expenses of the newborn baby for the first year.
8. High End Diagnostics

   It covers the cost of high-end diagnostic tests, including PET CT, PET MRI, liver biopsy, CT urography and magnetic resonance cholangiography scan.
9. Emergency Air Ambulance Cover

   It pays for the emergency ambulance services availed through an aeroplane or helicopter to transport the insured to the hospital.
10. Consumables Benefit

    It covers the cost of consumables or non-medical expenses incurred during hospitalization, including gowns, syringes, masks, cotton, etc.
11. Home Care Treatment Cover

    It pays for the medical expenses incurred on availing treatments at home for listed illnesses. However, this benefit is only available for people with a sum insured of ₹75 lakh or more.
12. Pre-Hospitalization Expenses

    It covers the healthcare expenses incurred for up to 60 days before getting admitted to the hospital.
13. Post-Hospitalization Expenses

    It pays for the healthcare costs incurred for up to 90 to 200 days after hospital discharge, depending on the policy sum insured.
14. Day Care Procedures

    It covers the cost of availing all day care procedures that do not require hospitalization for 24 hours.
15. Organ Donor Cover

    It pays for the medical cost of harvesting an organ from a donor for the transplant surgery of the insured.
16. Domiciliary Treatment

    It covers the cost of availing medical treatments at home on the recommendation of the doctor if hospitalization is not possible.
17. In-patient Dental Treatment

    It pays for the in-patient hospitalization costs incurred on dental treatments arising out of an accidental injury or illness.
18. AYUSH Benefit

    It covers the cost of day care procedures and in-patient treatments availed through the AYUSH system of medicines.
19. Second Opinion

    It pays for the charges of availing second medical opinion for listed diseases from doctors within the insurer's network.
20. Vaccination Cover

    It covers the cost of obtaining vaccinations for rabies, HPV, typhoid, hepatitis A & B, tetanus, pertussis, diphtheria and pneumococcal.
21. Hearing Aid

    It pays for the medical expenses incurred on buying hearing aids once in every three years.
22. Daily Cash for Choosing Shared Accommodation

    It provides a daily cash allowance to the insured on opting for shared accommodation during hospitalization.
23. Prolonged Hospitalization Benefit

    It pays a lump sum amount in case the insured is hospitalized for more than 10 days.
24. OPD Treatment

    It covers the medical expenses incurred on availing outpatient consultations and medicines.
25. OPD Treatment – Dental

    It pays for the cost of OPD dental treatments, including tooth extraction, tooth filing and root canal treatment.
26. Compassionate Travel

    It covers the round-trip travel expenses of an immediate family member if the insured is hospitalized in another city or country.
27. Accidental Death Benefit

    It pays a lump sum amount to the nominee in case the insured dies directly due to an accident.
28. Daily Cash for Accompanying an Insured Child

    It provides a daily cash benefit to the person accompanying the insured child of below 12 years during hospitalization.