Tata AIG MediCare is an ideal blend of features and coverage that caters to your utmost health requirements at the time of medical emergencies. You can get amazing benefits with some extra features, such as global coverage, bariatric surgery coverage, COVID-19 treatment coverage, and much more. From cumulative bonus to multiple sum insured options, you can get all-around health safety for you and your family, that too, without burning holes in your pocket. Tata AIG MediCare health insurance can be divided into three categories:
he entry age for Tata MediCare Health Insurance (Premier & Protect) is 91 days to 65 years and there is no maximum entry age for a MediCare plan. The policy term is from 1-3 years. More conditions are mentioned below:
Plan | Sum Insured | Pre-Existing Waiting Period |
Tata AIG MediCare Plan | Rs.3-20 Lakhs | 36 months |
Tata AIG MediCare Protect Plan | Rs.2-5 Lakhs | 48 months |
Tata AIG MediCare Premier Plan | Rs.5-50 Lakhs | 24 months |
**Last Updated on 12-01-2021
The plan comes with delightful features, which help out a great deal at the time of a medical emergency. Let's learn about them.
Restore Benefits: Restore your sum insured to 100% automatically.
Consumable Benefits: Covers expenses for consumables that are consumed during the period of hospitalization while treating the insured person.
Day Care Procedures: Covers expenses for more than 540 day care treatments due to injury/illness/disease.
In-Patient Treatment: It covers the medical expenses of the insured person in case (s)he is admitted to the hospital.
AYUSH Treatments: Covers expenses for the in-patient treatment taken under Unani, Ayurveda, Sidha, or Homeopathy.
Cumulative Bonus: Grab a 50% increase to the cumulative bonus (maximum 100%) for every claim year.
Ambulance Cover: Covers expenses of the ambulance for transporting the insured person for hospitalization.
Domiciliary Treatment: Covers expenses associated with domiciliary hospitalization of the insured person.
Compassionate Travel: In case there is no family member with the insured person at the hospital and the insured person needs to be hospitalized for more than 5 consecutive days, coverage up to Rs. 20,000 associated with the round-trip first-class railway ticket or economy class air ticket (for an immediate family member) will be provided.
Pre & Post-Hospitalization Medical Expenses: Looks after the medical expenses before and after hospitalization.
Organ Donor: In case the insured person is the recipient of an organ, coverage for medical as well as surgical expenses will be provided.
Health-checkup: The insured can freely undergo preventive health check-up in a policy year and its expenses will be paid by the plan (up to 1% of SI, maximum Rs.10,000).
For a better understanding, we have listed useful benefits for two variants (MediCare Protect doesn't come with unique benefits) separately. Let's take a look at it.
Tata MediCare Plan
Tata MediCare Premier Plan
Let's say you are a healthy person and feel that you do not need any health insurance. One day, you met with an accident and suffered critical injuries. You were immediately transported to the emergency room for surgery.
Now, the cost of your surgery can rise to lakhs of rupees, which can extract out all your life savings. With a health insurance policy, your bill will be significantly reduced in a manner that will not burn holes in your pocket.
So, what can Tata MediCare insurance plan do for you?
Both the health plans offered by Tata AIG are good, but there are a few benefits that MediCare provides in a better capacity as compared to MediRaksha. Let's take a look.
Parameters | MediCare | MediRaksha |
Sum Insured | Up to Rs.50 lakhs | Up to Rs.1 lakh |
Day care procedures covered | 540+ | 144 |
**Last Updated on 12-01-2021
Below are a few conditions, which aren't liable to get the coverage under the plan:
For a detailed list of exclusions, kindly refer to the policy document.
Buying a MediCare plan can be a breeze if you do it from Tata's website. Let's learn more about it.
In case of any troubles, you can get in touch (1800-4200-269) with the experts of PolicyX.com.
Documents required
If you are buying a Tata AIG health insurance plan for the first time, you will need the following documents:
Tata AIG allows its customers to register for health insurance claims. Here is the process-
Process for cashless claim
Process for reimbursement
In case you have taken treatment at a hospital that is not listed under the Tata AIG or if the network hospital didn't accept your claim, then you need to bear all the medical expenses on your own.
Later on after discharge,
1. Is Tata AIG MediCare a plan for an individual or family?
This plan can be issued to both the individual and/or the family.
2. Are day care procedures included in Tata AIG's MediCare plan?
Yes. Day care treatments are included in this plan.
3. What is the cancellation process under the Tata AIG MediCare plan?
If you aren't happy with the TnC's of the plan, you have 15 days to cancel it from the purchase date.
4. How many members can I cover under the Tata AIG MediCare plan?
You can cover up to 7 members. This may vary as per the chosen plan variant.
5. At what age do I need to undergo a medical screening to buy the policy?
Individuals aged 46 years and above need to undergo a medical screening (Tele-Medical Examination Report).
**Last Updated on 12-01-2021