Medicare Plus Plan
vs
Health Premier Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Medicare Plus Plan |
 Health Premier Plan |
| Premium Including GST | ||
| Product Type | Top Up and Super Top Up | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
11000 | 9450 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 3 Months to 65 Years | Minimum 91 days, Maximum 25 years |
| Plan Premium Entry Age and S/A | 1010 | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual & family floater cover |
| Plan Sample Premium | 1010 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 years | 1, 2,3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.70 | 96.76 |
| Solvency Ratio | 3.9 | 2.2 |
TATA AIG Medicare Policy offered by Tata AIG is an affordable top-up policy that is designed to look after your and your family's healthcare needs. Medicare Plus provides comprehensive coverage and compensates the policyholder in case the sum insured gets exhausted. The policy provides the insured with extensive coverage including coverage for costs associated with in-patient hospitalization, second opinions, daycare procedures, pre- and post-hospitalization costs, AYUSH treatment, ambulance coverage, costs associated with organ donation, global cover and so on.
The plan comes into action when the total amount of covered medical costs exceed the deductible specified in the policy contract .In addition to coverage benefits, the policy also offers tax deductions on premium payments, lifetime renewal, cumulative bonuses, etc.
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