The TATA AIG MediSenior plan is a comprehensive plan that is made especially for the retired senior citizens of our family. It takes care of the medical expenses incurred after the retirement of the senior citizens so that they live a stress free life thereafter without thinking much about the expenses.
The plan provides comprehensive coverage against in-patient hospitalization, pre-hospitalization and post-hospitalization, daycare procedures, domiciliary and organ donor expenses, emergency ambulance.
In-patient hospitalization that includes ICU, room rent, nursing, medicines, drugs etc are covered by the policy. |
The Pre hospitalization expenses of 30 days and post hospitalization expenses of 60 days are taken care of by the policy. |
140 different day care procedures that do not require 24 hours of hospitalization are covered. |
Domiciliary treatment when the benefactor could not be transferred to the hospital is covered. |
The organ donor and his or her expenses incurred are covered by the policy. |
There is a system of portability by the company where any benefactor can apply 45 days before the premium renewal date of the existing policy. |
One benefit of the policy says that the settlement of the claims is made hassle free by the company. |
There is a network of 3000+ hospitals across India. |
Co-payment for Accommodation Type
Shared Accommodation or any lower accommodation type: Insured has to pay 15% of the admissible claim amount
Single Occupancy or any higher accommodation type: Insured has to pay 30% of the admissible claim amount
Co-payment for Day Care Procedures
Insured has to pay 15% of the admissible claim amount for expenses incurred from day care procedures
Co-payment for Specific illness/surgeries
For expenses incurred from treatment of the following illnesses and Surgeries, the insured has to pay 30% of the admissible claim amount.
Annual premium in Rupees
*The above rates may vary. Please check the policy wordings for more details.
Minimum sum assured – 2 lakhs
Maximum sum assured – 5 lakhs
Coverage type: Individual/ family floater
No claim bonus 5% non cumulative discount will be offered on the premium payable at each renewal after every claim free policy year provided the policy is renewed with the company without any break .
Grace period: 30 days for renewing the Policy. However, coverage would not be available for the period for which no premium has been received.
Policy termination: 3 months prior to the expiry of the policy
Entry age for the policyholder, spouse is 61 years with lifetime renewal option.
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