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.
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 |
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Key Benefits of Tata AIG MediCare Select Plan
Tata AIG MediCare Select Plan Inclusions, Exclusions & Optional Cover
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In-patient TreatmentIt pays for the medical expenses incurred during hospitalization of 24 hours or more, including room rent, ICU charges and doctor's fees.
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Pre-Hospitalization ExpensesIt covers healthcare expenses incurred for up to 90 days before getting hospitalized.
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Post-Hospitalization ExpensesIt pays for the healthcare expenses incurred for up to 90 days after being discharged from the hospital.
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Day Care ProceduresIt covers the cost of availing day care treatments that do not require overnight hospitalization.
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Organ Donor ExpensesIt pays for the medical expenses of the donor for harvesting the donated organ for the organ transplant surgery of the insured.
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Domiciliary TreatmentIt covers the cost of availing domiciliary treatment at home for more than 3 days in case of the treating doctor's approval.
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OPD TreatmentsIt does not pay for outpatient doctor consultations, diagnostic tests and pharmacy expenses.
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Obesity and Weight-control TreatmentsIt excludes treatment for fat loss and weight management, unless advised by a doctor.
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Dietary Supplements and SubstancesIt does not cover the costs of dietary supplements like vitamins and minerals that can be purchased without a doctor’s prescription.
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Sterility and InfertilityIt does not pay for sterilization, surrogacy, or assisted reproductive treatments like IVF, ZIFT, etc.
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Treatment for Alcohol or Drug AddictionIt does not cover expenses for treatments to cure addictive substances like alcohol or drugs.
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Plastic or Cosmetic SurgeryIt excludes expenses incurred on plastic surgery or cosmetic procedures done solely for beautification.
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Consumables BenefitIt pays for the cost of consumables, such as cotton, syringes, gloves, etc., incurred by the insured during hospitalization.
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Maternity CareIt 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.
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Reduction of Maternity Care Waiting PeriodIt reduces the waiting period for Maternity Care benefit from 2 years to 1 year.
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Infinite AdvantageIt covers the cost of in-patient treatment or day care procedures without any coverage limit once in the lifetime of the policy.
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Early AccessIt allows policyholders to access the entire sum insured for multi-year policies anytime during the policy period.
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Room Category SelectIt enables policyholders to change the eligible hospital room category from a single private room to any room, including a twin-sharing room.
Tata AIG MediCare Select Plan Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Diseases Waiting Period | 3 years |
| Specified Diseases/Procedure Waiting Period | 2 years |
| Initial Waiting Period | 30 days |
| Maternity Care Waiting Period | 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 Select Plan: FAQs
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Q. Is Tata AIG MediCare Select cashless?
Ans: Yes. The Tata AIG MediCare Select plan offers cashless treatment facilities to its customers at all hospitals across India.
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Q. Does Tata AIG MediCare Select cover maternity?
Ans: Yes. The Tata AIG MediCare Select plan covers maternity expenses under the Maternity Care benefit. It also pays for delivery complications and first-year vaccinations of the newborn baby. However, the maternity coverage can be claimed after a waiting period of 2 years.
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Q. Which type of room category is covered under the Tata AIG MediCare Select plan?
Ans: The Tata AIG MediCare Select plan covers a single private hospital room category.
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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
