Tata AIG MediCare Select Plan

Plan Highlights

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      About Tata AIG MediCare Select Plan

      Tata AIG MediCare Select plan is a comprehensive health insurance policy that provides coverage for a wide range of diseases and medical conditions. It covers unlimited medical expenses once in the lifetime of the policy with the Infinity Advantage benefit. It also allows multi-year policyholders to access the entire sum insured anytime during the policy tenure with the Early Access benefit.

      This Tata AIG health insurance policy also offers pregnancy cover under the Maternity Care benefit and covers non-medical items, including bandages, cotton, syringes, etc. Moreover, the insurer offers the Young Family discount to policyholders if the eldest insured member is not more than 40 years old.

      Read more
      Eligibility
      Adult minimum entry age
      18 years
      Adult maximum entry age
      No age limit
      Renewability
      Lifelong
      Child minimum entry age
      1 day
      Child maximum entry age
      25 years
      Get more details ›
      Cholamandalam Health Insurance
      Get more details ›

      Tata AIG MediCare Select Plan: Key Highlights

      Categories Specifications
      Sum Insured ₹5 lakh to 1 crore
      Pre-Policy Medical Check-ups Not required for up to 65 years and up to ₹50 lakh sum insured
      Pre-existing Diseases Waiting Period 3 years
      Discounts Up to 32% family floater discount
      20% favourable experience discount
      10% young family discount
      Up to 7.5% long-term discount
      7.5% professional discount
      5% multi-individual discount
      Check premium ›

      Medicare Features

      What we love
      Special discount for young families and salaried customers
      7.5% Salaried professional discountKnow more ›
      10% Young family discountKnow more ›
      Supercharge bonus; optional coverKnow more ›
      Coverage
      Room rent limit
      Single Private a/c Room
      Restoration of cover
      Rs 10 lakh unlimited times a year;for related and unrelated illness
      Renewal Bonus
      Rs 5 lakh per year and up to maximum of additional Rs 10 lakh. In case of a claim, the renewal bonus will reduce by Rs 5 lakh
      Co-pay
      100% paid by the insurer
      Pre-hospitalization coverage
      90 days
      Post-hospitalization coverage
      90 days
      Day care treatment
      All day-care treatments are covered up to the sum insured
      Hospitalization at home
      Covered up to Rs 10 lakh
      Ambulance charges
      Up to Rs 10 lakh
      Cashless hospitals
      12954 cashless hospitals in India
      Check in your city
      Value Added Services
      Mid year member addition
      New born child and newly wedded spouse can be added in the policy after issuance
      Free health checkup
      Available as an optional cover
      E-consultation
      Not available in this plan
      Discount on Renewal
      Not available in this plan
      Daily cash allowance
      Rs 1,200 per day for choosing Twin Sharing Accommodation & Rs 1,500 per day for choosing Multi-Sharing Accommodation
      Out patient consultation benefits
      Not available in this plan
      Waiting periods
      Existing Illness cover
      3 years
      Initial Waiting Period
      30 days
      Specific Illness cover
      24 months; for slow growing diseases like knee replacement, hernia, cataract etc. See full list of diseases mentioned in policy wordings
      Additional Features
      Alternate medicine (AYUSH)
      Up to Rs 10 lakh
      Worldwide coverage
      Not available in this plan
      Domestic evacuation
      Not available in this plan
      Consumables Coverage
      Available as an optional cover
      Cover for organ donor
      Up to Rs 10 lakh
      Animal bite vaccination
      Not available in this plan
      Maternity Benefit(s)
      Maternity cover
      Not available in this plan
      New Born Baby cover
      Not available in this plan
      NULL
      Baby Addition to Policy
      From 91st day post child birth by paying additional premium
      NULL
      Pre and Post Natal benefit
      Not available in this plan
      NULL
      Download policy documents
      We have summed up the plan for you but if you are still curious read all the fine prints here
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      Disclaimer: The plan features detailed are for a ₹10 Lakh cover. Not all features may be applicable to your specific profile.
      Buy now ›

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        Key Benefits of Tata AIG MediCare Select Plan

        Unlimited Coverage
        Unlimited Coverage
        Policyholders can claim unlimited medical expenses incurred on in-patient treatment or day care procedures once in the lifetime of the policy with the 'Infinite Advantage' benefit. However, this benefit is available as an optional cover.
        Early Access
        Early Access
        This health insurance policy allows policyholders to access the combined sum insured of a multi-year policy anytime during the policy period with the 'Early Access' benefit. However, this benefit is available as an optional cover.
        Unlimited Restoration of the Sum Insured
        Unlimited Restoration of the Sum Insured
        With the 'Restore Infinity Plus' benefit, the Tata AIG General Insurance Company will restore the coverage amount unlimited times a year in case the base sum insured or cumulative bonus has been exhausted.
        No Claim Bonus
        No Claim Bonus
        The Tata AIG General Insurance Company provides policyholders with the option to choose between a 50% cumulative bonus and a 1% discount on renewal premiums on every claim-free year.
        Tax Benefits
        Tax Benefits
        The premiums paid to buy a Tata AIG MediCare Select policy are eligible for tax deductions under Section 80D of the Income Tax Act.
        View more benefits
        Get covered today ›

        Tata AIG MediCare Select Plan Inclusions, Exclusions & Optional Cover

        Inclusion of Tata AIG MediCare Select 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 medical expenses incurred during hospitalization of 24 hours or more, including room rent, ICU charges and doctor's fees.
        2. Pre-Hospitalization Expenses
          It covers healthcare expenses incurred for up to 90 days before getting hospitalized.
        3. Post-Hospitalization Expenses
          It pays for the healthcare expenses incurred for up to 90 days after being discharged from the hospital.
        4. Day Care Procedures
          It covers the cost of availing day care treatments that do not require overnight hospitalization.
        5. Organ Donor Expenses
          It pays for the medical expenses of the donor for harvesting the donated organ for the organ transplant surgery of the insured.
        6. Domiciliary Treatment
          It covers the cost of availing domiciliary treatment at home for more than 3 days in case of the treating doctor's approval.
        7. AYUSH Benefit
          It pays for the in-patient treatment and day care procedures of the insured obtained at an AYUSH hospital or day care centre. It also covers pre-hospitalization and post-hospitalization expenses incurred by the insured.
        8. Ambulance Cover
          It covers the cost of transporting the insured to and from a hospital within a 50 Km radius in a registered ambulance.
        9. Daily Cash for Choosing Twin-Sharing Accommodation
          It pays for a daily cash allowance of ₹1200 per day to the insured if they choose to stay at a hospital on a twin-sharing basis.
        10. Daily Cash for Choosing Multi-Sharing Accommodation
          It provides a daily cash benefit of ₹1500 per day to the insured if they choose to stay at a hospital on a multiple-sharing basis.
        View more Inclusions

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

        1. OPD treatments
        2. Obesity and weight-control treatments
        3. Dietary supplements and substances
        4. Sterility and infertility
        5. Treatment for alcohol or drug addiction
        6. Plastic or cosmetic surgery
        7. Stem cell therapy
        8. Unproven treatments
        9. Intentional self-injury
        10. Congenital external defects
        View more Exclusions

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

        1. Consumables Benefit
          It pays for the cost of consumables, such as cotton, syringes, gloves, etc., incurred by the insured during hospitalization.
        2. Maternity Care
          It covers the medical expenses resulting from pregnancy, including delivery charges and delivery complications of a newborn baby. This maternity cover also pays for the first year vaccinations of the newborn baby.
        3. Reduction of Maternity Care Waiting Period
          It reduces the waiting period for Maternity Care benefit from 2 years to 1 year.
        4. Infinite Advantage
          It covers the cost of in-patient treatment or day care procedures without any coverage limit once in the lifetime of the policy.
        5. Early Access
          It allows policyholders to access the entire sum insured for multi-year policies anytime during the policy period.
        6. Room Category Select
          It enables policyholders to change the eligible hospital room category from a single private room to any room, including a twin-sharing room.
        7. Aggregate Deductible
          It provides a premium discount in case the policyholder voluntarily opts for a deductible ranging from ₹10,000 to ₹1 lakh.
        View more Optional Covers
        Insure now ›

        Policybazaar Exclusive Benefits
        • On ground claims support##(In 120+ cities)
        • Relationship manager For every customer
        • 24*7 claims assistance In 30 mins. guaranteed*
        • Instant policy issuance No medical tests~
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        ₹1000 Cr worth of claims assisted in 2022-2023
        How we helped our customers

        Policybazaar Claim Process

        Step 1
        Step 1

        In case of emergency we are just a call away.

        • Inform your Dedicated Relationship Manager
        • Or, Call us on the 24x7 toll-free helpline 1800-258-5881
        Step 2
        Step 2

        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 ›

        If you are not a Policybazaar customer you can view Tata AIG claim process here 👇
        Tata AIG
        View claim process ›

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        Tata AIG MediCare Select Plan: FAQs

        Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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        Tata AIG claim process

        Tata AIG offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:

        1
        Step 1: Find network hospital
        • Find the nearest network hospital of Tata AIG
        • Get admitted to the hospital
        2
        Step 2: Inform Tata AIG
        • Notify the insurance company about the hospitalization
        • In case of pre-planned hospitalization, intimate the insurer before hospital admission.
        3
        Step 3: Get Pre-authorization
        • 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.
        4
        Step 4: Hospital Discharge
        • At the time of discharge, sign all the medical documents.
        • Pay for the items/services not covered under the Tata AIG policy
        5
        Step 5: Claim settlement
        • 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.
        1
        Step 1: Get Hospitalized
        Get admitted to a non-network hospital of the insurance provider
        2
        Step 2: Intimate the Insurance Company
        • Inform the insurance company about the hospitalization
        • In case of planned hospitalization, notify the insurer before hospital admission.
        • Receive medical treatment
        3
        Step 3: Hospital Discharge
        • At the time of discharge, pay the entire hospital bill in full.
        • Collect all the medical documents, bills and payment receipts
        4
        Step 4: Submit Documents
        Send all the required documents to the insurance company
        5
        Step 5: Settlement of Claim
        The insurance company will review the documents and pay the claim amount.
        Policybazaar 30 mins Claim Support

        Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim

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        *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

        *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

        *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

        **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

        *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

        *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

        *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

        *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

        *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

        *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

        *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

        *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

        *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

        *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

        *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

        *The scope of coverage may vary from plan to plan.

        ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

        ##On ground claim assistance is available in 114 cities

        Tax Benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

        STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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