Tata AIG Medicare Plan

Tata AIG Medicare policy is one of the popular health insurance plans in India. In terms of coverage, the Tata AIG Medicare Insurance Policy offers every possible benefits one could ask for under a health insurance cover, starting from COVID coverage to cashless benefit in 5200+ network hospitals.

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Tata AIG Medicare Plan

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Tata AIG Medicare: Key Highlights

    Type Individual or Family Floater
    Cashless Treatment 5800
    COVID Covered
    Global Coverage Available in Medicare & Premier variant
    Savings Available in floater plan up to 32%
    Daily Cash Benefit Rs 2000

    *All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply 

    Coverage Offered

    Tata AIG health insurance policy is available in 2 variants: Medicare Protect and Medicare Premier. The policy base cover includes:

    • In-patient Hospitalization: Cashless quality treatment is available in 5800+ network hospitals across India.
    • Pre and Post Hospitalization Expenses: The indemnity coverage is offered for 60 days and 90 days, respectively, supplementary to hospitalization.
    • Day Care treatment: The coverage extends to 540 plus listed procedures and surgeries that do not require overnight stay in the hospital.
    • Domiciliary Hospitalization: The policy covers treatment at home for want of a hospital bed. It also covers pre and post-hospitalization expenses.
    • Organ Donor: The medical and surgical cost of harvesting an organ is covered where the recipient is the insured.

    Inclusions of the Plan

    Individuals can buy Tata AIG Medicare Insurance Policy; and avail of numerous facilities that makes the cover genuinely comprehensive.

    Significant Covers:

    • In-patient Dental Treatment
    • AYUSH Treatment
    • Ambulance Charges
    • Health Check-up
    • Second Opinion
    • Vaccination Benefit
    • Cost of hearing-aid
    • Daily Cash Benefit for shared accommodation and accompanying an insured child
    • Compassionate travel limited to Rs 20,000
    • Optional Cover:
    • Accidental Death Benefit: A payout equal to the sum insured is paid for death for one year caused directly by accident within the policy period.

    Exclusions of the Plan

    The exclusions under this policy are categorized as one with a waiting period clause and permanent exclusions:

    Waiting Period:

    • The cover is not available during the first 30 days for an illness-related claim, except for accidental injury.
    • There is no indemnity for specified diseases till the expiry of 24 months from the policy inception.
    • Pre-existing diseases are not covered for 36 months from the policy inception date.

    Permanent Exclusions: The indemnity is not available for the base coverage, and the optional cover is caused by a long list of conditions and situations. The insured must consult the policy document for absorbing the implications of medical and non-medical exclusions.

    Features & Benefits of the Tata AIG Medicare Policy

    The policy comes with the following features and benefits:

    • Sum Insured: Available from Rs 3 Lakh to Rs 20 Lakh.
    • Policy Term: 1, 2, and 3 years with lifelong renewability.
    • Global Cover: The insured will receive international coverage, provided the illness is diagnosed in India, and the travel abroad is for receiving treatment.
    • Bariatric Surgery: The cover is available to the insured over 18 years of age subject to complying with the policy schedule conditions.
    • Consumable Benefit: It covers listed specified consumables used during hospitalization.
    • Restoration of Sum Insured: The full sum insured is restored when the cover is thoroughly exhausted during the policy period. The coverage can be used by the insured after 45 days from the earlier hospital discharge.
    • Tax Benefit: The premium paid in the policy by means other than cash is tax-exempt as per prevailing laws under the Income Tax Act, 1961.

    Eligibility Criteria

    The policy comes with the following eligibility condition:

    Type Individual or Family Floater
    Minimum Entry Age

    Dependent Child: 91 days

    Floater: Child up to 25 years.

    Others: 5 years

    Maximum Entry Age

    Dependent Child: 5 years

    Others: 65 years

    Parents and Parents-in-Law: Above 65 years

    The Number of people covered:

    Individual, Maximum 7 members

    Family Floater:  Maximum 7 members

    Residential Status Resident Indian Citizens and others primarily residing in India

    Cancellation Terms of the Policy

    The insured can terminate the policy after tendering a 15-day notice to receive a refund as per rules. Likewise, the insurer can also terminate the policy by serving a 15-day notice on the grounds of moral hazards.

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    Tata AIG Medicare Plan Reviews & Ratings

    / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
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