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Tata AIG MediPlus Health Insurance

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Tata AIG Health Insurance
Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583

About Tata AIG MediPlus Health Insurance

Health insurance plans help you to manage the health requirements and be ready for the emergencies should there arise one. But, what happens if the regular health plan funds get used or the sum insured under the regular plan gets exhausted. TATA AIG MediPlus plan is an answer to that. It understands the individuals needs of adequate and efficient coverage of risks.

It is a smart top-up health insurance plan that is cost effective in securing your health. The coverage under the MediPlus plan triggers once the pre-defined limit of your primary health insurance plan gets exhausted. The premium rates are more efficient than the regular health insurance plan. The sum insured option under the plan is Rs. 5 Lakh with the deductible option of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses related to in-patient treatment including room rent, ICU, nursing, medicines, drugs are covered
  • Emergency ambulance expenses up to Rs. 2000 or the actual expenses whichever is lower
  • Pre-hospitalisation expenses are covered up to 60 days before hospitalisation
  • Post-hospitalisation expenses are covered up to 90 days after discharge
  • Up to 140 daycare procedures are covered which do not require 24-hour hospitalisation

What's Not Included

  • Pregnancy and all related conditions
  • Intentionally self-inflicted injury or illness is not covered under the policy
  • Drug abuse or alcohol addiction or consumption or overdose tobacco, etc.
  • Treatment for congenital anomaliesm, mental disorder, etc. are excluded
  • Injury or illness caused by war, strike, war-like situation, riot or nuclear weapons
  • Conditions arising out of or related to HIV, AIDS

2155 Tata AIG Cashless Network Hospitals in India

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Tata AIG MediPlus Expert Review

  • Expert Review

    TATA AIG MediPlus is a top-up health insurance plan. A top-up plan is one which has a deductible and a sum insured level. When claims exceed the deductible limit, the excess claim is paid by the insurer. A top-up plan, therefore, helps if you have an existing health insurance plan and you want to increase your coverage level at lower premium rates. TATA AIG’s MediPlus plan offers good coverage benefits at affordable premiums.

    The policy can be taken by an individual to cover him or to cover his family consisting of self, spouse, dependent children and dependent parents. The sum insured would, however, be available on an individual basis only. The entry age is from 91 days to 65 years. Children are covered up to 23 years. The policy can be taken for one or two years. The sum insured under the plan is Rs. 5 Lakh while the deductible limits range from Rs. 1 Lakh to Rs. 5 Lakh.​

  • Major Attractions

    The plan has the following salient coverage benefits –

    • Expenses incurred on hospitalisation for at least 24 hours would be covered. These expenses can be incurred on paying the fees of the medical practitioner, surgeon, nurse or on blood, oxygen, etc.
    • Expenses incurred before the insured is admitted to a hospital, called pre-hospitalisation expenses, would be covered for up to 60 days
    • Expenses incurred after the insured is discharged from the hospital are covered for up to 90 days
    • Treatments which do not require hospitalisation for 24 hours or more due to advanced medical technologies, called day care treatments, are covered
    • In case of an organ transplant surgery, the cost of harvesting the organ from a donor would be covered
    • Treatments taken at home are also covered subject to some terms and conditions
    • Expenses of arranging am ambulance would be covered for up to Rs. 2000
    • The plan allows you to convert the top-up coverage to a nil deductible health insurance plan where coverage would be available without any deductible limit
  • What’s More?

    There are other benefits too which are offered by the plan. These benefits include the following –

    • There is a tax benefit on the premium that is paid for the plan. Premiums of up to Rs. 25,000 are allowed as a deduction under Section 80D
    • The plan can be renewed without any restrictions for the lifetime of the insured
    • There is a premium discount of 10% if two or more family members are covered under the plan
    • Another premium discount of 7.5% is allowed for buying coverage for two consecutive years and paying the aggregate premium at once
  • Conclusion

    TATA AIG’s MediPlus Plan is a good top-up plan which not only gives you a range of deductible options to customise your coverage, but it also allows you the facility of converting the plan to a normal health plan. Coverage is allowed for the whole family making the plan suitable for covering each family member.

    Buy the MediPlus Plan online if you want instant coverage without any hassles. The online medium has simplified the process of buying health insurance policies through multiple online portals. InsuranceDekho is one such online portal wherein the plan is available. The portal allows you to understand your coverage needs so that you can select the right sum insured and deductible option. So, buy the plan from InsuranceDekho website for a better coverage experience.

Tata AIG MediPlus Brochure

  • 164.32 KB
  • PDF Document
  • May 20, 2019

Claim Process at Tata AIG Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on MediPlus Health Insurance Plan

  • What is the portability feature under TATA AIG MediPlus plan?

    This plan can be ported to any other insurance provider. However, TATA AIG must be notified at least 45 days before the premium renewal date of the existing policy.

  • What is the waiting period for pre-existing diseases under TATA AIG MediPlus plan?

    Pre-existing diseases under TATA AIG MediPlus plan are covered after a waiting period of 48 months.

  • Is there any feature of premium risk loading under TATA AIG MediPlus plan?

    The premium risk loading feature may be levied depending on the declarations made in the proposal form and the health status of the proposer. The maximum risk loading can be 150% per person. The policy will be issued only after getting consent in case of risk loading. 

  • What is the minimum and maximum entry age for TATA AIG MediPlus plan?

    The minimum entry age for adults for TATA AIG MediPlus plan is 18 years and maximum entry age is 65 years.

  • What is the exit age for TATA AIG MediPlus plan?

    There is no exit age for MediPlus plan. The plan comes with lifelong renewability option.

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