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Overview
The Tata AIG Medicare Premier is a comprehensive health insurance plan offering advanced healthcare features. Available on an individual and family floater basis, the plan provides access to premium medical care with over 8,000 network hospitals for cashless hospitalisation across India.
It covers parents and parents-in-law above 65 years of age, as well as dependent children as young as 91 days old.
Sum insured options range from ₹5 Lakh to ₹3 Crore, ensuring adequate sum insured. Policy terms are available for 1, 2, or 3 years, with the benefit of lifetime renewability.
To encourage a healthy lifestyle, Tata AIG Medicare Premier includes a wellness program. Policyholders can earn wellness rewards by downloading the Tata AIG app from the Google Play Store and Apple Store.
The Tata AIG Medicare Premier is popular for its extensive coverage, which includes features such as:
- Global cover for planned hospitalisation
- Consumables benefit
- Restoration benefits
- Emergency air ambulance
- Wellness services
- Home care treatment
- High-end diagnostics
Benefits of Tata AIG Medicare Premier Plan
Investing in the Tata AIG Medicare Premier plan offers a range of benefits, ensuring premium healthcare for you and your family.
Flexible Room Selection
With the Tata AIG Medicare Premier plan, you can opt for a single, deluxe, or shared room without worrying about sub-limits on room rent, even if the rent exceeds your policy's room rent limit.
OPD Dental Treatments
Unlike many other health plans, Tata AIG Medicare Premier covers expenses for dental treatments like root canals, extractions, and fillings. This coverage becomes active after a continuous waiting period of 2 years.
Global Coverage
If you are diagnosed with an illness in India and wish to seek treatment abroad, Tata AIG Medicare Premier will cover your expenses. The plan also covers visa application fees for such treatments.
Covers Hearing Aid Expenses
If a specialised medical practitioner prescribes a hearing aid, Tata AIG Medicare Premier will cover the expenses. This benefit is available every third year, with a maximum payable amount of 50% of the actual cost or ₹10,000 per policy, whichever is less.
High-End Diagnostics Cover
Tata AIG Medicare Premier provides financial support for high-end diagnostic tests, covering up to ₹50,000 for listed tests per policy year.
Exclusions
- Congenital external diseases, defects, or anomalies
- Alcoholic pancreatitis
- Intentional self-injury or attempted suicide (while sane or insane)
- Expenses for treatment directly arising from attempting to commit a breach of law with criminal intent
- Treatment rendered by a medical practitioner outside their discipline
Additional Benefits
| Benefit | Details |
|---|---|
| Wellness Program | Health Risk Assessment, Reward Earning, Reward utilisation (towards OPD Consultation/Treatment, Pharmaceuticals, Health Check-Ups/Diagnostics, etc.) |
| Wellness Services | Unlimited General Teleconsultation, Unlimited Specialist Teleconsultation, Health Condition Management (Diet & Weight Management Program and Stress Management Program), Redeemable voucher/Discount on services, Ambulance Booking facility, Emergency Help Me features |
| Accidental Death Benefit | Covered Up to Sum Insured (SI) |
Premium Illustration for Tata AIG Medicare Premier Plan
The premium illustration is for individual cover, exclusive of GST. The premium payable under the policy will be computed based on the residential location/address provided by the proposer/insured person.
Zone A
| Sum Insured (₹) | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 3 Crore |
|---|---|---|---|---|---|
| Premium (₹) | 11,579 | 14,575 | 17,218 | 22,681 | 34,942 |
Zone B
| Sum Insured (₹) | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 3 Crore |
|---|---|---|---|---|---|
| Premium (₹) | 10,092 | 12,797 | 15,239 | 20,105 | 30,724 |
Zone C
| Sum Insured (₹) | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 3 Crore |
|---|---|---|---|---|---|
| Premium (₹) | 8,617 | 10,996 | 13,703 | 17,460 | 26,382 |
Who Should Buy Tata AIG Medicare Premier?
Tata AIG Medicare Premier can be considered by individuals and families looking for higher health insurance coverage and wider treatment options. It may be suitable for:
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Families: Those looking to cover multiple family members under one health insurance plan.
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People seeking higher coverage: The plan offers sum insured options up to ₹3 crore.
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People who want global treatment options: The plan covers planned hospitalisation abroad for eligible treatment.
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People looking for additional benefits: It includes features such as home care, OPD treatment, high-end diagnostics and wellness services.
How to Claim Tata AIG Medicare Premier?
You can raise a claim under Tata AIG Medicare Premier through cashless or reimbursement facilities, depending on the treatment and hospital.
Cashless Claim
For planned hospitalisation, inform Tata AIG at least 48 hours before admission. In an emergency, notify the insurer within 24 hours of hospitalisation. The insurer will review the request and, if approved, settle eligible expenses directly with the hospital.
Reimbursement Claim
For reimbursement, you can pay the eligible treatment expenses first and then submit the claim to Tata AIG with the required documents. The insurer will assess the claim and reimburse the admissible amount as per the policy terms.
Documents Required
Keep your claim form, health insurance policy or card, hospital bills, payment receipts, prescriptions, medical reports, discharge summary and other relevant documents ready while filing a claim.
Things to Check Before Buying Tata AIG Medicare Premier
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Sum Insured
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Waiting Period
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Maternity Coverage
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Global Coverage
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OPD Benefits
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Home Care Coverage
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Network Hospitals
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Policy Exclusions
Conclusion
Tata AIG Medicare Premier is a comprehensive health insurance plan that offers financial protection against hospitalisation and other eligible medical expenses. Before buying the plan, it is important to understand the sum insured, waiting periods, coverage, exclusions and other policy terms based on your healthcare needs.
