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.
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
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
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.
One of the highlights of this plan is its list of benefits. Let's take a look at them.
Sadly, there are a few things, which the plan does not cover. Let's take a look at them.
For more exclusions, please take a look at the policy brochure.
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.
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)
Cashless claim (Emergency hospitalization)
Note- Submit all the necessary documents to avail timely response from the company.
Reimbursement claim
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,
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