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Tata AIG MediRaksha 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 MediRaksha Health Insurance

Everybody wants to protect their loved ones from health troubles. People search for different methods to keep their family in a healthy and active state. After going through all these requirements, a medical insurance plan named as MediRaksha Plan is launched by Tata AIG to cope up with various types of unforeseen circumstances. It is equipped with plenty of benefits and offerings through which it provides financial assistance within the range of sum insured from Rs. 50,000 to Rs. 1 Lakh to its policyholders to compensate the health care expenses.

This Tata AIG MediRaksha Plan is designed to offer coverage to people between the age of 91 days and 65 years. It is offered on both individual as well as family floater basis and is issued for 1 or 2 years. This health insurance policy allows cover for self, spouse, dependent children and dependent parents under a single policy. This indemnity-based health insurance cover is stuffed with a range of benefits and the cashless services under the plan can be availed in 3000+ network hospitals in India.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient treatment expenses
  • Pre and post hospitalisation costs
  • Daycare procedure costs are offered
  • Coverage for organ donor’s treatment
  • Availability of health check-up option  

What's Not Included

  • Treatment of obesity, weight control program
  • Treatment of illnesses due to  drug or alcohol
  • Congenital conditions, pregnancy, etc.
  • Costs on treatment of self-inflicted injury
  • Pre-existing diseases, conditions until 48 months

2155 Tata AIG Cashless Network Hospitals in India

MediRaksha User Reviews

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Tata AIG MediRaksha Expert Review

  • Expert Review

    Some times a single disease can take a toll on your savings. But, having a proper plan for it can avoid any sort of financial crisis. The MediRaksha Plan is a great tool that can help you prepare for any and every illness. It offers entry for people from the age of 91 days up to the age of 65 years. The plan is available with a coverage term of 1 or 2 years with a lifelong renewability option. It offers the coverage to an individual as well as to a complete family. It offers cashless service in extensive range of network hospitals throughout the country. 
    The policy is available for different family members such as spouse, dependent children and dependent parents. It is designed by Tata AIG to be suited for almost everyone who seeks a plan for a healthy life. This policy assures of providing financial aids for the specified illnesses with listed benefits and coverage. This ultimately saves you from getting a hole in your pocket due to medical expenses. It is a thoughtfully designed product that makes you and your loved ones get world-class treatment during the tough times of ailment without any financial worry. 

  • Major Attractions

    Tata AIG MediRaksha Plan offers many features and benefits to insured individuals. Its offerings are attractive due to their affordability and their vast coverage. The plan offers enough coverage that can easily cover the treatment of an entire family. The prime benefits of the plan includes:

    • Health Check-up up to 1% of the sum insured
    • Coverage for 144 daycare procedures is provided 
    • The policy can be issued either for 1 or 2 year policy period
    • Pre and post hospitalisation cost coverage for 30 days and 60 days respectively
    • Annual sum insured for Rs. 50,000, Rs. 75,000 and Rs. 1,00,000 is provided
    • Organ donor expenses are covered for harvesting of the organ donated
    • The lifelong renewability option is offered under this health insurance policy
    • Room rent and ICU rent on per day basis is offered as per the variant opted for 
  • What’s More?

    Not just the features or benefits of this plan can be availed by the policyholders, but they can enjoy some other beneficial components as well. The policy continues to give so much attractive coverage and offerings which add stars to it. Some other highlights of the policy are: 

    • Portability option is available on being insured continuously 
    • A family discount of 10%, if 2 or more members of a family are covered
    • 7.5% discount on the premium on paying the premium of 2 years in advance
    • Free-look period of 15 days is given to review the health insurance plan
    • Tax saving benefit is offered under section 80D of the Income Tax Act
  • Conclusion

    Going through the benefits and features of Tata AIG MediRaksha Plan, it can be concluded that it is equally worthwhile for people with a family as well as individuals. This plan offers several benefits and wide coverage, which will never let you down and meet all your medical requirements for sure.
    While making the purchase for this plan, opt it from a trusted online platform like InsuranceDekho. This will help you get complete information about health insurance policy with full transparency. The firm also allows you to compare different health plans in the market, get to know about the policy terms and conditions, and select the plan of your choice without any hassle.

Tata AIG MediRaksha Brochure

  • 465.62 KB
  • PDF Document
  • Oct 15, 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 MediRaksha Health Insurance Plan

  • What is the sum insured amount offered under this MediRaksha Plan?

    The sum insured amount offered under this plan is Rs. 50,000, Rs. 75,000 and Rs. 1 Lakh.

  •  Who all can find the coverage under this health insurance plan with the proposer or policyholder?

    This policy allows the coverage for spouse, dependent children and dependent parents along with the policyholder or proposer.

  • What is the entry age applicable under this health insurance policy?

    This policy covers persons in the age group of 91 days onwards. The maximum entry age is 65 years. Dependent child aged between 91 days to 21 years can be covered, if unmarried. Dependent child aged between 91 days to 5 years can be insured only when both parents are covered under the same plan. 

  • Is there any coverage available for in-patient treatment?

    Yes, this policy covers in-patient treatment where hospitalisation expenses due to an illness or accident are covered. The policy will be paying for the medical expenses such as room rent; boarding and nursing expenses; intensive care unit charges; medical practitioner fees; costs of medicines, drugs and consumables; and so on. 

  • Can I get the coverage for daycare treatments under this plan?

    Yes, this MediRaksha Plan offers the coverage for medical expenses for 144 daycare procedures, which do not require 24 hours hospitalisation due to technological advancement.

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