Tata AIG MediCare Health Insurance

Coverage is available for ambulance charges incurred in taking the insured to the hospital, inpatient treatments, pre and post hospitalisation costs, day care procedures and organ donor treatments. The other major coverage benefits include the following –

• The policy covers treatments which are taken internationally too if the insured is diagnosed in India but travels to an international country to get treated
• Coverage is allowed for bariatric surgery for correction of weight if such a surgery is prescribed by a certified medical practitioner
• Dental treatments taken on an inpatient basis are also covered under the plan
• If the sum insured is exhausted in a policy year due to previous claims, it is completely restored within the same year for any future claims
• Free medical health check-ups are allowed once in a block of two consecutive policy years up to 1% of the chosen sum insured
• If the insured suffers from a prescribed critical illness, free medical second opinion is allowed under the plan
• Vaccination cover is available
• Cost of hearing aid and consumable are also covered up to a specified limit
• A daily cash benefit is allowed if the insured chooses shared accommodation or accompanies a minor child
• Coverage for compassionate travel is allowed for family members if the insured is hospitalised in another city for more than 5 days
• The policy can be enhanced by choosing an optional Accidental Death benefit rider which pays the sum insured in case of accidental death
• 50% of the sum insured is increased free of cost after a claim-free policy year 

The policy offers the following additional benefits –

• Renewals can be done lifelong
• There is a tax benefit on the premium paid for the plan under Section 80D
• 5% discount is allowed if the policyholder buys two-year coverage. The discount increases to 10% in case of choosing a term of 3 years
• 10% premium discount is allowed if a shared room is selected in case of hospitalisation
• 20% premium discount is allowed on family floater policies if two members are added, 28% if 3 members are added and 32% if more than three members are added to the cover

The plan is, therefore, quite a comprehensive plan which provides some of the best coverage benefits. The sum insured levels are flexible and suitable for all and the premiums are also affordable.

If you are looking to buy the policy you can choose InsuranceDekho website and buy the policy online. Buying online is more convenient and the website helps you understand and fulfill your coverage needs with its expert help.

You can choose to get a cover for sum insured of Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, and Rs. 20 Lakh.

TATA AIG MediCare plan covers persons in the age group 5 years onwards (dependent children between 91 days and 5 years can be insured only when both parents are insured).

The maximum entry age for TATA AIG MediCare plan is 65 years.

This policy can be issued to an individual and/or family.