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Tata AIG MediSenior 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 MediSenior Health Insurance

Senior citizens deserve a healthy and peaceful life in their retiring years. Keeping their dignity and need to be self-reliant in mind, TATA AIG offers MediSenior - Senior Citizen Health insurance Plan. It provides cover for treatment in all hospitals across India if the definition of the hospital is met. Anyone who is at least 61 years of age can purchase this medical insurance policy to cover self as well as his/her spouse. There is no restriction on the maximum age to purchase this plan.

The policy can be purchased for sum insured of Rs. 2 Lakh, Rs. 3 Lakh or Rs. 5 Lakh. It provides several benefits to the policyholders. Some of them are-cover for domiciliary treatment, organ donor expenses, daycare expenses, discounts, and free look period. Interested people can purchase this policy online from the health insurance broker i.e. InsuranceDekho.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses related to in-patient treatment
  • 30-day pre-hospitalisation expenses
  • 60-days post-hospitalisation expenses
  • Medical expenses for 140 daycare procedures
  • Expenses incurred on ambulance offered by registered healthcare or ambulance service

What's Not Included

  • Treatment of obesity or any weight control program
  • Any kind of dental treatment or surgery
  • Non-allopathic treatment
  • Sexually transmitted disease or illness
  • Pregnancy, childbirth and other related expenses

2155 Tata AIG Cashless Network Hospitals in India

MediSenior User Reviews

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What users are saying
  • All
  • Medisenior is a plan that has all the coverage features that i was looking for since a few months now. I got i...

    Read More
    By Jyoti Rana
    On: Feb 28, 2020
  • Selecting health insurance plans online takes effort. But because i talked to the customer care executives in ...

    Read More
    By Simran Valecha
    On: Feb 28, 2020
  • Also, I was able to compare plans on their website too. They have premium calculator on their website which al...

    Read More
    By Rajesh Poddar
    On: Feb 05, 2020
  • Medisenior health insurance plan is for senior citizens which i brought for sum insured of Rs. 2 Lakh which in...

    Read More
    By Milan Sharma
    On: Feb 05, 2020
  • Medicare premier gives the policyholders all the benefits one can ask for. It includes in-patient treatment ex...

    Read More
    By Deepak Panchal
    On: Feb 05, 2020

Tata AIG MediSenior Expert Review

  • Expert Review

    TATA AIG MediSenior is a senior citizen health insurance plan which covers individuals who are old. The plan provides a good scope of coverage to senior citizens who find it difficult to buy a normal health insurance plan with comprehensive coverage benefits.

    The plan can be taken by any senior citizen who is aged 61 years and above. The policy can be taken on an individual basis or a family floater basis covering the spouse who should also be a senior citizen. The policy is available for a period of 1 and 2 years and the sum insured available is Rs. 2 Lakh, Rs. 3 Lakh and Rs. 5 Lakh. 

  • Major Attractions

    The coverage benefits of the plan include the following –

    • Inpatient treatments taken at a hospital are covered. The expenses incurred on inpatient hospitalisation can be doctor’s fee, room rent, nurse’s fee, surgeon’s fee, etc.
    • Expenses incurred before the insured is hospitalised are covered for up to 30 days. Moreover, expenses incurred after being discharged from the hospital are also covered for up to 60 days
    • 140 day care treatments are covered under the plan wherein hospitalisation of 24 hours is not necessary
    • Treatments which are taken at the home of the insured, called domiciliary treatments, are also covered under the plan
    • Organ donor expenses are also covered in case of transplant surgeries
    • Costs of engaging an ambulance for taking the insured to the hospital would be covered for up to Rs. 2000
    • If no claims are made under the policy, a discount of 5% would be allowed in the renewal premium when the policy is renewed
  • What’s More?

    MediSenior also offers the following additional benefits –

    • A family discount of 5% is allowed if the spouse is also added to the coverage of the policy
    • If a policy term of 2 years is selected, 7.5% premium discount is offered on the aggregate premium
    • The plan can be renewed lifelong
    • The premium paid for the plan would be allowed as a deduction from the taxable income under Section 80D
  • Conclusion

    MediSenior is, therefore, a good senior citizen plan which offers decent coverage benefits, optimal sum insured levels and affordable premiums. You can buy the policy for your dependent parents or for yourself if you are a senior citizen.

    To buy the policy easily you can choose the online mode. MediSenior can be bought online at InsuranceDekho website which is an online insurance aggregator. The website would help you to compare different senior citizen plans and then buy the best plan for your coverage needs.

Tata AIG MediSenior Brochure

  • 479.58 KB
  • PDF Document
  • Jun 11, 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 MediSenior Health Insurance Plan

  • What are the sum insured options available under this plan?

    The policy is offered for sum insured options of Rs. 2 Lakh, Rs. 3 Lakh or Rs. 5 Lakh. 

  • For how many years is the policy offered?

    The policy is issued for either 1 year or 2 years. 

  • What all is covered under in-patient hospitalisation expenses in this policy?

    In-patient hospitalisation expenses in this policy include the following:

    • Nursing charges
    • Medical practitioner(s) fees
    • Room rent charges
    • Blood, anaesthesia, oxygen, surgical appliances, operation theatre charges
    • Boarding expenses
    • Diagnostic procedures
    • Drugs, medicines and consumables
    • Prosthetic and other devices 
  • Can I purchase this policy online?

    Yes, you can purchase this policy online from the official website of TATA AIG or from the customer care executives at InsuranceDekho by calling on the toll-free number-1800 1205 698. 

  • Is there any limit on emergency ambulance under this policy?

    Emergency ambulance cover is provided for up to Rs. 2,000 per hospitalisation. 

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