Network hospitals
10,000+
Incurred claim ratio
78.33%
Sum insured
Up to 3 CR
No. of Plans
10
Solvency Ratio
3.9
Pan India Presence
220
Network hospitals
10,000+
Incurred claim ratio
78.33%
Sum insured
Up to 3 CR
No. of Plans
10
Solvency Ratio
3.9
Pan India Presence
220
Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back.
Tata AIG Criti MediCare insurance is a detailed and tailor-made health insurance plan offering continuous coverage for those who are suffering from a critical illness. Having been diagnosed with a critical illness is bad news in itself. It can put you into unsaid financial trouble or may cause a crisis of survival in no time. In such conditions, getting treated for that illness is the only way to stay safe and increase the chances of prolonged survival.
The Tata AIG Criti MediCare plan safeguards you all from future worries. If you're diagnosed with any of the critical illnesses, it'll cover the treatment cost so that your sole focus is getting recovered rapidly. This policy offers 3 base benefit sections and an optional benefit:
Section A: Critical Illness
Section B: Cancer 360 Degree Indemnity Cover
Section C: Hospital Cash
Section D(Optional): Wellsurance Benefit
Read further to know more about Tata AIG Criti MediCare health plan.
The below-mentioned factors decide the eligibility criteria for the Tata AIG Criti Medicare plan:
Child: 91 days
Adult: 18 - 65 years
Individual/Multi-individual
Max. 2 Crores
1/2/3 years
90 Days (Section A & B), 30 Days (Section C)
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan, read the policy brochure provided below:
Read below the stand-out benefits of Tata AIG Criti MediCare policy:
100% of TeleMER cost would be paid by the company, in case of proposal acceptance. Additionally, a minimum of 50% of the pre-policy medical checkup cost would be paid by the company in case the proposal is accepted.
All the premiums paid towards the Tata AIG Criti MediCare policy are subjected to tax deductions benefit under Section 80D of the Income Tax Act, 1961 of India.
This health plan offers flexibility to choose the healthcare benefits that have 3 base benefits Sections A, B, & C and 1 Optional benefit Section D. Read below the details of coverage that the plan offers:
Section A (Critical Illness) | Section B (Cancer 360 Degree Indemnity Cover) | Section C (Hospital Cash) |
---|---|---|
Smart Century Premier Plan (100 critical illnesses), and Smart Half Century Plan (50 critical illnesses) | In-patient treatment for cancer (including in-situ cancer or any pre-cancerous lesions) | In-patient hospital cash benefit covers the fixed daily cash for each continuous and completed 24 hours of hospitalization for medically necessary treatment |
Payout benefit if the insured gets diagnosed with listed critical illnesses | Daycare treatment procedures (including in-situ cancer or any pre-cancerous lesions) | Prolonged hospital cash benefit covers a fixed amount of INR 10K for each completed and continuous event of an insured person's hospitalization for an illness/injury exceeding the continuous period of 10 days |
Smart Cancer Care provides a sum insured payout up to the specified limit as (Early Stage: 20%), (Major Stage: 30%), & (Advanced Stage: 50%) | Home care treatment for Cancer, if the home care is essentially required | Provides the double in-patient hospital cash benefit for each continuous and completed ICU cover for 24 hours of hospitalization for medically necessary treatment of the insured individuals |
Second medical opinion for covered critical illnesses once in a policy year | Chemotherapy (including oral), radiotherapy cover and cancer-related medical expenses | Provides the double in-patient hospital cash benefit for each continuous and completed 24 hours of hospitalization for medically necessary treatment of the insured individuals due to an accidental injury or severe accidental conditions |
Waiver of premium benefit on renewal up to 70% (for the next three years with Smart Century Premier Plan) | Get advanced medical treatment and cancer care | Provides the double in-patient hospital cash benefit for each continuous and completed ICU cover for 24 hours of hospitalization for medically necessary treatment of the insured individuals due to an accidental injury |
Multipay feature of a maximum of up to 3 claims once each under Section A/B/C payable during the lifetime of the policy | High-end diagnostics care cover which means the medically necessary OPD tests are covered up to INR 25K in a policy year | INR 500 per day to INR 20,000 per day (in multiple of 500's) Maximum payable days in a policy year: 30 days/60 days/180 days |
You can choose the survival period from 0, 7 & 15 days | Psychiatric counselling for emotional/mental trauma is covered up to 8 sessions under the plan and each session is covered for up to INR 2K | - |
Sum insured options: INR 5 lakhs - 2 Cr (in multiples of INR 5 lakhs) in each category (Category A/B/C). Plans options available are Smart Century Premier (100 Critical Illnesses) and Smart Half Century (50 Critical Illnesses) | If the insured is diagnosed with cancer in India and needs emergency global coverage for daycare treatment, this plan covers the medical expenses on a reimbursement basis | - |
Loading: Insured individuals have the option to choose Survival Period for 0 or 7 or 15 days (not applicable for categories other than Section A: Critical Illness cover). Survival Period loading applicable for 7 days is 5% and for 0 days is 7.5% on the critical illness premium | More benefits of this section include Pre-Hospitalization Expenses, Post-Hospitalization Expenses, Organ Donor Expenses, OPD Cover (Outpatient), Hotel Accommodation, Transportation Expenses, Ambulance Cover, Palliative Care for Cancer, Health Check-up, Second Medical Opinion, Consumable Benefits | - |
- | INR 5 lakhs to 2 Cr in multiples of INR 5 lakhs | - |
Specifications | Classic | Supreme | Elite |
---|---|---|---|
Minor Surgeries | Pays a lump sum benefit, in case of medically necessary surgery (excluding any pre-existing condition) such as: Appendectomy/Removal, Kidney stones/Haemorrhoids, Cholecystectomy/Removal of Gall bladder Stones/Hernia/Biopsy or growth are covered | ||
Major Surgeries | Pays a lump sum benefit, in case of medically necessary treatment for covered major surgery (excluding any pre-existing condition). Conditions that are covered include Post Traumatic Surgery Hip replacement Knee replacement/knee ligament surgery, Cosmetic Reconstructive Surgery (in case of accidents) | ||
Post-operative Expenses (Physiotherapy) | Pays a lump sum benefit, in case of medically necessary treatment for physiotherapy for any covered major or minor surgery post-discharge from the hospital for conditions that are mentioned above | ||
Ambulance Services | Pays a lump sum amount towards road ambulance while getting hospitalized and/or at the time of transfer after discharging from the hospital |
Note: A minimum of one Section from the base benefit sections has to be opted and all proposed members will have the same plan. The sum insured options of these three sections are denoted on an individual basis only.
There is an additional coverage option that can be purchased with critical illness (Section A) cover only. It provides INR 3 lakhs of the sum insured if the insured person has an accidental injury during the policy year that leads to death within 12 months from the date of the accident.
Note: This benefit is applicable if no claim is reported in the expiring policy year under Section A: Critical Illness (Section A1 or A5). For a detailed guide, read the policy brochure attached above or check thoroughly the policy wordings.
Some of the standard exclusions of Tata AIG Criti MediCare policy are given below:
Others, as per the policy wordings of your Tata AIG Criti MediCare insurance.
TATA AIG Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Bad omens can hit the doors anytime doesn't matter how healthy you are now. Critical illnesses health insurance plan provides an all-around solution to the insured members and extended health coverage to fight against up to 100 critical illnesses. It's also said that, better today than never. So, be future-ready with Tata AIG Criti MediCare policy today.
So why is the wait to secure your future? Give us a call at 1800 4200 269 now and learn more about your policy.
TATA AIG health offers a wide range of health insurance plans to fulfil the medical needs of individuals, families, and senior citizens.
Top-up Plan
TATA AIG's Health Supercharge plan offers a five fold enhancement in your health insurance coverage.
Unique Features
Top-up Plan
The plan is specially designed to cater to the healthcare needs and post-operative care of elderly individuals.
Unique Features
Comprehensive Plan
A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.
Unique Features
Top-up Policy
An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.
Unique Features
Standard plan
A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.
Unique Features
Standard plan
A comprehensive plan designed for global cover for planned hospitalisation and high-end diagnostics.
Unique Features
Standard plan
The plan covers personal accidents and second opinions for groups. This plan also offers double-inpatient benefits for accidents.
Unique Features
Standard plan
A comprehensive plan designed to cover hospitalization offering optional accidental death rider.
Unique Features
Standard plan
A plan that covers accidental hospitalization and accidental paralysis and dismemberment.
Unique Features
Standard plan
A plan designed for a variety of demographics, including low-income groups, covers hospitalisation and death from accidents.
Unique Features
Standard plan
The plan provides financial protection in the form of accidental compensation. In the event of death, the plan offers 100% compensation.
Unique Features
Standard plan
A plan that provides coverage for accidental death and hospitalization. There are no limitations on hospitals under the plan.
Unique Features
Standard plan
The plan offers the group financial security in case of accidental hospitalization and offers 100% compensation in the case of accidental death.
Unique Features
Standard plan
The plan offers a lump sum benefit upon HIV diagnosis and offers financial security in the event of job loss.
Unique Features
Standard plan
The plan offers emergency accident medical coverage, emergency family travel, and alternate accident medical expenses.
Unique Features
Standard plan
The plan provides reimbursement for accident hospitalization and covers disability caused by the accident.
Unique Features
Standard plan
The plan offers coverage for accidental death, accidental dismemberment, and disability caused due to accidents.
Unique Features
Standard plan
The plan offers coverage for accidental death and disability caused due to accidents.
Unique Features
Standard plan
The plan offers coverage for accidental death, accidental dismemberment, and disability caused due to accidents.
Unique Features
Standard plan
This is a simplified health insurance plan designed to provide affordable coverage and financial security to individuals.
Unique Features
Standard plan
The plan offers coverage for Personal accidents and natural calamity damages. The plan also includes theft and burglary coverage.
Unique Features
Standard plan
The plan offers corporate floater for critical illness as well as dental out-patient cover and vaccination cover.
Unique Features
Standard plan
The plan provides reimbursement for accidental hospitalization and covers the expenses for qualified nurses and in-patient care.
Unique Features
Standard plan
The plan offers coverage for HIV/AIDS. Additionally, the plan covers acid attack victims and modern treatment
Unique Features
Standard plan
The plan offers the group coverage for accidental death, accidental dismemberment, and accidental paralysis.
Unique Features
Standard plan
The group's hospitalization for COVID-19 is covered by the plan. This plan also includes coverage for, PPE kits, gloves, masks, and comparable other costs.
Unique Features
Standard plan
The plan offers fixed daily cash allowance during hospitalization, covering additional expenses and providing financial security.
Unique Features
Standard plan
The plan provides coverage for major, intermediate, and minor maternal complications, as well as surgical complications.
Unique Features
Standard plan
The plan provides coverage for various maternal complications during pregnancy and childbirth, offering fixed benefit amounts for different conditions.
Unique Features
Standard plan
The plan provides coverage for COVID-19 hospitalization. This plan also covers home care treatment expenses, PPE Kit, gloves, mask and similar other expenses.
Unique Features
Standard plan
The plan offers the group coverage for critical illnesses, accidental death, accidental dismemberment, and accidental paralysis.
Unique Features
Standard plan
The plan provides critical illness coverage on indemnity for the group together with a corporate floater for all illnesses.
Unique Features
Standard plan
The plan includes coverage for accidental death and accidental medical reimbursement.
Unique Features
Yes, Tata AIG Criti MediCare insurance is a multi-individual health plan and you can get coverage for your family.
Tata AIG Criti MediCare plan provides coverage for the self, spouse, dependent children, parents, parents-in-law, grandchildren, brother, sister, brother-in-law/sister-in-law, and nephew/niece.
This plan provides healthcare support and treatment expenses against 100 critical illnesses.
You can raise a claim against your Tata AIG Criti MediCare plan either through cashless facilitation or reimbursement claim settlement. Or give us a call at 1800 4200 269.
You can enhance your TATA AIG Criti MediCare policy afterwards, given that you need to pay all the monthly premiums in time.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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