MediCare Plus Plan
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  • High Sum Insured Options
  • Quick Buying process

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About TATA AIG MediCare Plus

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.

Key Features of TATA AIG MediCare Plus

Let's understand the key features in detail:

  • The policy can be availed for a longer tenure of up to 3 years.
  • It offers you an option of Global cover that covers the expenses incurred for medical treatments outside India.
  • Get the higher sum insured options i.e., up to Rs1 Crore.
  • You can avail of a high cumulative bonus of up to 100%
  • In this plan, a policyholder is not required to have a pre-policy check-up.
  • It also provides consumable benefits
  • Deductible options are also available of Rs 2 lakh, Rs. 3 lakh, Rs. 5 lakh, Rs. 10 lakh, Rs. 15 lakh & Rs. 20 lakh.
  • This plan offers you the tax benefits on the paid premium under 80(D) of the Income Tax Act.
  • You are eligible for the free look period under individual health insurance policies, but it is not applicable on renewals or at the time of migrating or porting the policy. 15 days of free look period is allowed for the insured from the date of receipt of the policy documents to review the terms and conditions of the policy.

Eligibility

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

Coverages under TATA AIG MediCare Plus

Let's have a look at the below section to understand the coverage option available under this plan;

  1. Inpatient Hospitalization

    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.

  2. Pre-Hospitalization

    Medical expenses incurred up to 60 days before the date of admission to the hospital.

  3. Post-Hospitalization

    Medical expenses incurred up to 90 days after the date of discharge from the hospital.

  4. Daycare Treatments

    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.

  5. Domiciliary Treatment

    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.

  6. Organ Donor

    Covers medical expenses on harvesting the organ for the process of organ transplantation.

  7. AYUSH

    The medical expenses incurred on inpatient treatments taken under Ayurveda, Unani, Sidha, or Homeopathy are also covered under this plan.

  8. Cover for Ambulance

    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.

  9. Inpatient Dental Treatments

    The expenses on dental treatments caused due to an accident/injury are also covered.

  10. Consumable Benefit

    Get coverage for the expenses incurred for certain consumables specified in the policy which are consumed during the hospitalization tenure.

  11. Preventive Health Check-up

    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.

  12. Cumulative Bonus

    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.

  13. Global Cover

    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.

  14. Second Opinion

    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.

Additional Benefits

  1. Renewability

    Get the lifetime renewability option for your policy provided when the premium is paid without any break.

  2. Network Hospitals

    TATA AIG provides cashless facilities at 6200+ hospitals across India.

  3. Deductible

    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.

  4. Tele-Medical Examination

    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

Plan Details

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

Discount Offering under MediCare Plus

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

Exclusions of TATA AIG MediCare Plan

  • Alcoholic/drug/substance abuse
  • Congenital anomalies, defects, or diseases are not covered.
  • Does not cover Alcoholic pancreatitis
  • Medical expenses related to the treatment of eyesight correction because of the refractive error i.e., less than 7.5 dioptres.
  • Self-inflicted injuries
  • Attempted suicide
  • Any policyholder attempting to commit a breach of law with criminal intent.
  • Treatment is done by a doctor or medical practitioner which is outside his expertise is not covered.

For detailed information about the exclusions, please refer to policy brochures/documents.

Waiting Periods

  • Initial waiting periods for 30 days from the beginning of the policy (this is not applicable for accidents).
  • After a waiting period of 24 months, certain listed diseases/illnesses will be covered under this plan.
  • Any pre-existing illnesses will be covered after a waiting period of 36 months.

How to buy this TATA AIG MediCare Plan?

  • Visit the official website of TATA AIG Insurance company and choose 'Health' by clicking on 'All Products'.
  • Select the category for whom you want to buy the plan and click 'Get Plan'.
  • Fill in the required details like your contact number, dob, and click on the 'See Plan'.
  • Check the plans as per your needs, tap the 'Buy' button, and make the payment.
  • Your policy document will be mailed to you at your registered email address.

Claim Process of MediCare Plus

For cashless claims:

  • Call on our toll-free number 1800 266 7780/ 1800 229 966 (for senior citizens) in case of any assistance at the time of hospitalization or you can reach out at healthclaimsupport@tataaig.com
  • If you want to check the list of network hospitals, refer to the company's website or PolicyX.com network hospital page.

For Reimbursement

  • Later, you can file for reimbursement under TATA AIG health insurance. To do that, the insured must collect all bills, and prescriptions related to the treatment and submit the same along with the claim form to the insurance company or TPA.
  • The insurer will analyze your claim and might ask for additional documents (if required).
  • If it gets approved, the company will transfer the amount directly into your account and in case of rejection, you will receive the reason for the same.

How to Buy TATA AIG MediCare Plus Plans?

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-

Through the Company's website

  • Visit the official website of TATA AIG Insurance company and choose 'Health' by clicking on 'All Products'.
  • Select the category for whom you want to buy the plan and click 'Get Plan'.
  • Fill in the required details like your contact number, dob, and click on the 'See Plan'.
  • Check the plans as per your needs, tap the 'Buy' button, and make the payment.
  • Your policy document will be mailed to you at your registered email address.

Through PolicyX.com

  • Go to the top of this page and fill in the details in the 'Calculate TATA AIG Health Insurance Premium' form.
  • Out of all the quotes, choose the desired TATA AIG health plan and click on 'Buy Now'.
  • Pay the premium and your policy documents will be shared with you on your registered email.

Documents required to buy this policy

  • KYC documents
  • 1 passport size photograph
  • Medical records
  • Family medical history and all the current medical records
  • Application form

Tata AIG Important Links


FAQs

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%.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.6/5 (30 Total Rating)

October 12, 2021

vaibhav devgan

Chandigarh

Very fast claim settlement ratio. tata aig always stand with its customers and always support their customer

October 7, 2021

Satyam

Chennai

TATA 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

Bengaluru

Plans 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

Jaipur

customer support is amazing! also, the kind of features with my tata health plan is what really got me to buy the plan from them

August 12, 2021

Neena Koul

Bengaluru

Last year, I took the health insurance plan from TATA AIG. I must say that the company offers very good plans and is very good at their customer service. Also, I wanna appreciate the team of PolicyX.com who helped me a lot in choosing the right coverage amount. I will suggest everyone consult the experienced team of PolicyX.com before buying any insurance plan.

Last updated on August, 2021

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