Tata AIG MediCare Select Plan

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.

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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.

Tata AIG MediCare Select Plan: Key Highlights

Benefits of Tata AIG MediCare Select Plan

Take a look at the Tata AIG MediCare Select plan benefits:

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

Tata AIG MediCare Select Plan Eligibility Criteria

Check out the eligibility criteria to buy a Tata AIG MediCare Select plan:

Inclusions of Tata AIG MediCare Select Plan

Tata AIG MediCare Select plan comes with the following inclusions:

• 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.
• Pre-Hospitalization Expenses – It covers healthcare expenses incurred for up to 90 days before getting hospitalized.
• Post-Hospitalization Expenses – It pays for the healthcare expenses incurred for up to 90 days after being discharged from the hospital.
• Day Care Procedures – It covers the cost of availing day care treatments that do not require overnight hospitalization.
• 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.
• 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.
• 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.
• Ambulance Cover – It covers the cost of transporting the insured to and from a hospital within a 50 Km radius in a registered ambulance.
• 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.
• 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.

Optional Covers:

• Consumables Benefit – It pays for the cost of consumables, such as cotton, syringes, gloves, etc., incurred by the insured during hospitalization.
• 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.
• Reduction of Maternity Care Waiting Period – It reduces the waiting period for Maternity Care benefit from 2 years to 1 year.
• 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.
• Early Access – It allows policyholders to access the entire sum insured for multi-year policies anytime during the policy period.
• 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.
• Aggregate Deductible – It provides a premium discount in case the policyholder voluntarily opts for a deductible ranging from ₹10,000 to ₹1 lakh.

Exclusions of Tata AIG MediCare Select Plan

The following coverage are excluded under the Tata AIG MediCare Select plan:

• OPD treatments
• Obesity and weight-control treatments
• Dietary supplements and substances
• Sterility and infertility
• Treatment for alcohol or drug addiction
• Plastic or cosmetic surgery
• Stem cell therapy
• Unproven treatments
• Intentional self-injury
• Congenital external defects

Tata AIG MediCare Select Plan Waiting Periods

The following waiting periods apply to the Tata AIG MediCare Select plan:

Tata AIG MediCare Select Plan: FAQs