MediSenior Health Plan
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Tata AIG MediSenior Health Plan

Tata AIG MediSenior is a comprehensive plan designed to look after the health care needs of senior citizens in their retirement years. With this plan, you can cover yourself and your spouse to get the best treatment possible, without putting a dent in your financial savings.

Eligibility

Entry age

Above 61 years

Sum insured (Rs.)

2/3/5 lakhs

Cashless treatment

3000+ network hospitals

Renewal

Lifelong

**Last Updated on 12-01-2020

Coverage Details

Organ donor expenses

Covered

Home care treatment

Covered

No claim bonus

5% off on premium (payable at renewal) for every claim-free year

Domiciliary treatment

Covered

Waiting period

Initial- 30 days


Specified diseases- 24 months


Pre-existing diseases- 48 months

Free-look period

Available

Co-payment accommodation

15% for shared/lower accommodation type


30% for single/higher accommodation type

**Last Updated on 12-01-2020

Why Should You Invest Your money in Tata AIG MediSenior Plan?

After you turn 60, health complications have a higher risk to penetrate your daily life. To encounter them successfully, you need a suitable health plan. Here is a small example highlighting the importance of the MediSenior plan.

Sneha, 65 years old, retired last summer. After 4 months, she met with an accident and was hospitalized for 2 days. With no health insurance, she had to break her savings to pay the expenses. Realizing the importance of a health plan, she decided to buy a MediSenior plan and covered her spouse under the same.

After 6 months, her husband was hospitalized for gallbladder surgery. As she had the coverage of MediSenior plan with Rs.5 lakhs sum insured, the company paid for the treatment expenses. All in all, Sneha's husband got the best treatment, without breaking their bank.

What's so Special About the Tata AIG MediSenior Plan?

One of the highlights of this plan is its list of benefits. Let's take a look at them.

  • In-patient treatment: If the insured person is hospitalized due to an illness or accident, the plan pays for the following expenses- room rent, nursing, medicines, ICU, drugs, diagnostics, oxygen, blood, medical practitioner(s), among others.
  • Pre and post-hospitalization: The plan provides coverage for pre-hospitalization expenses (up to 30 days) and post-hospitalization expenses (up to 60 days).
  • Day care treatment procedures: Get coverage for treatments that don't require more than 24-hour hospitalization. This is only valid for the listed 140 procedures.
  • Ambulance charges: In case the insured person needs to visit the hospital due to an emergency, the plan covers the ambulance expenses (up to Rs.2000) incurred for transportation.
  • Discounts: If two family members are covered under this policy, the insured can enjoy a 5% off on premium. The insured can also get a 7.5% off on premium if (s)he decides to pay an advance premium of 2 years.
  • Tax Benefit: Tax-deductible benefits apply to the premiums paid under Section 80D of the Income Tax Act, 1961.
  • Grace Period: A grace period of 30 days is available if the policy premium is not paid on time. However, coverage will not be available for the period for which the premium is not paid.

What is Not Covered under the Tata AIG MediSenior Plan?

Sadly, there are a few things, which the plan does not cover. Let's take a look at them.

  • Self-inflicted illness/injury.
  • HIV/AIDS.
  • Exposure to war or radioactive substances.
  • Damage caused by drug abuse or alcohol.
  • Congenital diseases.
  • Obesity treatments.

For more exclusions, please take a look at the policy brochure.

How can I get hold of the Tata AIG MediSenior Plan?

To buy this plan, you need to visit the nearest branch of Tata AIG, as this plan is not available online. In case you get into some trouble while buying from Tata AIG, get in touch (1800-4200-269) with the experts of PolicyX.com.

Claim Process of the Tata AIG MediSenior Plan?

The company allows the insured to file a claim via two means- cashless and reimbursement. Let's take a look at them in detail.

Cashless claim (Planned hospitalization)

  • Submit the cashless claim form to the company at least 5 days before the treatment.
  • The company will review the request and notify the network hospital and the insured accordingly.
  • If approved, the insured can visit the hospital and show his/her health card and confirmation letter to avail of the treatment.

Cashless claim (Emergency hospitalization)

  • Inform the company about the treatment within 24 hours of hospitalization.
  • The network hospital will share the cashless claim request with the company.
  • If approved, the company will share the authorization letter with the hospital and the insured can undergo the treatment.

Note- Submit all the necessary documents to avail timely response from the company.

Reimbursement claim

  • Undergo the treatment in a non-network hospital and pay the bills.
  • Once discharged, collect and submit all the necessary documents to the company.
  • The company will review all the documents and approve/reject the claim request accordingly.
  • The company will transfer the amount to the registered bank account.

Submit all the documents at the following address- TAGIC Health Claims, TATA AIG General Insurance Company Limited, 5th and 6th Floor, Imperial Towers, H.No 7-1-6-617/A, GHMC No - 615,616, Ameerpet, Hyderabad – 500016, Telangana,

FAQs

1. Can I avail the benefits of the MediSenior plan outside India?

No, this plan provides coverage only for treatment in India.

2. What happens if I stop paying the premiums of the MediSenior plan?

You'll get a grace period of 30 days to make the payment. Post that, the policy will be terminated and no benefits shall be paid.

3. Does the policy offer migration benefits?

Yes, you have the option to choose another policy (offered by the company) by applying for migration at least 30 days before the policy renewal date.

**Last Updated on 12-01-2020