Tata AIG MediSenior Health Insurance

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

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

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.

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

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 

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. 

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