MediSenior plan
  • Plan for Senior Citizens
  • Smooth Claim Experience
  • Buying process on the go

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Tata AIG MediSenior plan

Senior Citizens deserve a relaxing and healthy life in their retiring years. Keeping their health vulnerability in mind, Tata AIG offers a MediSenior plan that is specifically designed for Senior Citizens. 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

What are the Key Features of Tata AIG MediSenior Plan?

TATA AIG offers various plans but the MedSenior plan is specially designed for Senior citizens. Before opting for this plan, one must always be aware of the terms and conditions and key features of the plan. We have discussed some of the important key features below for your better understanding. Read each point carefully and choose your plan wisely!!!!

  • This plan provides lifetime renewability and the premium amount can be paid without a break.
  • Get the Tax benefits on the premium under section 80(D) of the Income Tax Act.
  • It offers individual and family floater plans as well.
  • Discount options are also available- In case 2 family members are covered then you are eligible for a 5% family discount in individual plans.
  • If you are under any health insurance plan of TATA AIG, then it can easily be ported to MediSenior Plan.
  • Get coverage for comprehensive hospitalization with no sub-limits.
  • As per the policy guidelines, the sum insured can be enhanced during renewal time.
  • The coverage amount ranges from 2lakhs-5 lakhs.
  • The claim settlement process is quite hassle-free and quick.

Eligibility

Entry Age > 61 years of age
Sum Insured (Rs.) 2 lakh, 3 lakh, 5lakh
Cashless Treatment 6200+ Network Hospitals
Renewal Lifelong

**Last Updated on 05-05-2021

What are the Coverages under TATA AIG Health Insurance?

Organ Donor Expenses This plan covers the expenses of organ donor treatment treatments.
Home Care Treatment Covered
In-patient Treatment It offers the coverage of the expenses incurred in in-patient hospitalization. This includes nursing, boarding charges, medical practitioner fee, drugs, ICU charges.
Pre and Post Hospitalization 30 days pre and 60 days post hospitalization
No claim Bonus 5% off on premium (payable at renewal) for every claim-free year
Domiciliary Treatment Covered
Daycare treatments It offers the coverage of different daycare procedures listed in the policy's brochure that does not require 24 hours of hospitalization.
Waiting Period Initial - 30 days
Specified disease - 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
Portability One can port their policy to another policy by applying 45 days before the renewal of the premium from the date of the existing policy.
Claim process The claim settlement process is quick and hassle-free
Treatment of certain illnesses If the policyholder is undergoing any of the below illnesses treatments, then the insured is required to pay 30% of the admissible claim amount.
Hernia Surgery
Arthroscopy
Cataract
Angiography
Coronary Artery Bypass Graft
Hydrocele
Joint Replacement
Discectomy

**Last Updated on 05-05-2021

Details of the plan

Sum insured (minimum) 2 lakhs
Sum insured (maximum) 5 lakhs
Type of Cover Individual and Family Floater plan
Period of Policy Termination 3 months before the expiration of the policy

**Last Updated on 05-05-2021

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 insurance 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.

  1. 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.

  2. Pre and post-hospitalization

    The plan provides coverage for pre-hospitalization expenses (up to 30 days) and post-hospitalization expenses (up to 60 days).

  3. Daycare treatment procedures

    Get coverage for treatments that don't require more than 24-hour hospitalization. This is only valid for the listed 140 procedures.

  4. 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.

  5. 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.

  6. Tax Benefit

    Tax-deductible benefits apply to the premiums paid under Section 80D of the Income Tax Act, 1961.

  7. 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.

  • Dental Surgeries
  • Mental Illness
  • Pregnancy, childbirth and its related complications
  • Self-inflicted illness/injury.
  • HIV/AIDS.
  • Exposure to war or radioactive substances.
  • Damage caused by drug abuse or alcohol.
  • Congenital diseases.
  • Obesity treatments.
  • Infertility and in-vitro fertilization

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

How to Buy this 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.

How can I process my claim 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,

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.7/5 (15 Total Rating)

May 5, 2021

Sunita Kukreja

Kanpur

Thanks to policyx. they guided me very well because i want to buy tata aig plans. The company is very good. No complaints and all queries resolved quickly.

April 30, 2021

Ila Kapoor

Bhopal

I bought this policy because my sister referred this company to me. Honestly i am very much satisfied with the services. Good Company.

May 5, 2021

Kajal Sharma

Guwahati

Medicare plus plan from tata aig is the best plan. It provides you all benefits you need. Morover, their customer service is commendable. Really happy.

May 3, 2021

Kamini Rathi

Indore

Tata aig is a good company and their insurance plans are very reliable. My friend suggested me to buy this plan. Now i am satisfied

April 6, 2018

Rupali

Cuttack

I have my Wellsurance Family Policy with Tata Aig Health Insurance from past 3 years. The policy coverage will be for 5 lakhs rupees. This policy have the coverage for my family as well.

Last updated on 05-05-2021

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