TATA AIG Health Insurance Company offers a top-up plan called MediCare Plus. MediCare Plus provides protection for a healthy and secure well-being for you and your family. This plan provides comprehensive coverage and compensates the policyholder in case the sum insured gets exhausted.
Let's understand the key features in detail:
Minimum Entry Age | Children - 91 days - 5 years Adult - 18 years |
Maximum Entry Age | 65 years |
Number of members covered under this plan | Up to 7 members are covered (Self, Spouse, up to 3 dependent children, 2 dependant parents) |
Residential status | Indian citizens |
**Last Updated on 05-05-2021
Let's have a look at the below section to understand the coverage option available under this plan;
Medicare Plus plan covers the expenses incurred on the hospitalization due to injury/illness during the policy tenure. This requires the policyholder to be admitted to the hospital for inpatient treatment.
Medical expenses incurred up to 60 days before the date of admission to the hospital.
Medical expenses incurred up to 90 days after the date of discharge from the hospital.
Offers coverage for the listed daycare treatments i.e., about 540+ in the policy's brochure caused due to certain illness/disease/injury during the policy tenure taken at a Daycare center or a hospital.
MediCare plus policy provides you the coverage of medical expenses for availing the treatment at home which might require hospitalization in later stages. In case of domiciliary hospitalization, this plan also covers pre and post-hospitalization expenses.
Covers medical expenses on harvesting the organ for the process of organ transplantation.
The medical expenses incurred on inpatient treatments taken under Ayurveda, Unani, Sidha, or Homeopathy are also covered under this plan.
Covered expenses incurred during the transportation of policyholder to the hospital in a registered ambulance in case of an emergency hospitalization or transferring the insured from one hospital to the other. The medical facilities and treatments are subject to Rs3000 per hospitalization under this plan.
The expenses on dental treatments caused due to an accident/injury are also covered.
Get coverage for the expenses incurred for certain consumables specified in the policy which are consumed during the hospitalization tenure.
Expenses for preventive health checkups are covered up to 1% of the previous year's policy that is subject to a maximum of Rs. 10,000 per policy once in a time of every two consecutive claim-free years.
Get an increase of 50% in cumulative bonus for every claim year. This is subjected up to a maximum of 100%. During the policy year when a claim is made, the cumulative bonus reduces up to 50% in the following year.
MediCare Policy provides you an option of Global cover in which the medical expenses associated with inpatient and daycare treatments of the policyholder are covered. This applies to the expenses incurred outside India but the diagnosis was made in India.
This plan provides a second opinion from your doctor or medical practitioner in case the insured is diagnosed with the listed illnesses during the policy term.
Get the lifetime renewability option for your policy provided when the premium is paid without any break.
TATA AIG provides cashless facilities at 6200+ hospitals across India.
All the claims that come under this policy shall only be payable when the aggregate of covered medical expenses (in terms of hospitalization) is more than the deductible that is mentioned in the policy documents/brochures.
Pre policy health check-up table
Age / Sum Insured | Up to 50 lakhs | More than 50 lakhs |
Up to 65 years | No PPC | Tele MER |
46-65 years | Tele MER | Tele MER |
**Last Updated on 05-05-2021
**PPC - Pre- Policy Check-Up
**Tele- MER - Tele Medical Examination
Type of Plan | Top-up Health Insurance Plan |
Type of Coverage | Individual Family Floater |
Sum Insured | Up to Rs 1 Crore |
Sum Insured options | 3 lakh 5 lakh 10 lakh 15 lakh 20 lakh 25 lakh 50 lakh 1 crore |
Policy Tenure | 1/2/3 year |
COVID-19 | Coverage is Available |
Deductible options | 2 lakh 3 lakh 5 lakh 10 lakh 15 lakh 20 lakh |
You can choose any of the combinations of the sum insured and deductible |
**Last Updated on 05-05-2021
Long term Discount | 10% Discount on premium in case a policyholder avails a policy for a term of 3 years |
5 % discount on premium in case a policyholder avails a policy for a term of 2 years. | |
Family Floater Discount | If 2 members are covered in a family floater plan then a 20% of discount is applicable. |
If 3 members are covered in a family floater plan then a 28% of discount is applicable. | |
If more than 3 members are covered in a family floater plan then a 32% of discount is applicable. |
**Last Updated on 05-05-2021
For detailed information about the exclusions, please refer to policy brochures/documents.
TATA AIG Health Insurance has the option to directly buy the policy through the company's website, or purchase via PolicyX.com. Let's look at both the procedures in detail-
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*Terms and Conditions May Apply
You can cancel this policy within a free look period of 15 days and then the refund is provided by the insurer. After 15 days, some amount of the premium will be deducted.
50% bonus will be provided for every claim-free year for a maximum limit up to 100%.
(Showing latest 5 reviews only)
November 17, 2021
Abhishek Dhawan
BhopalOctober 12, 2021
vaibhav devgan
ChandigarhVery fast claim settlement ratio. tata aig always stand with its customers and always support their customer
October 7, 2021
Satyam
ChennaiTATA aig has been serving my requests for a long time...i m never disappointed...wheter its renewal, buying, claim you can trust them 100%
October 6, 2021
Ravi Sharma
BengaluruPlans of TATA has great features... and the customer support team is very polite and helpful, I really love this company. Thanks for everything
August 31, 2021
Satendra Kumar
Jaipurcustomer support is amazing! also, the kind of features with my tata health plan is what really got me to buy the plan from them
Last updated on August, 2021
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Good company with great health plans, amazing customer care team as they explained the plans very briefly and helped me to find the best suitable plan for myself.