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TATA AIG Health Insurance

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TATA AIG Medicare Plan

No matter how health-conscious you are, medical emergencies are something that may arise anytime and anywhere. And this does not only impact your physical or mental health, but it could be traumatic for your family as well. If you don’t want to end up paying your lifetime earnings to your doctor, it’s paramount to have a dedicated TATA AIG Medicare Plan.

With Tata AIG’s MediCare health insurance policy, you won’t have to worry about the high medical costs associated with getting quality treatment. The policy will help look after you not just when you’re hospitalised, but for treatments required before and after a hospital stay as well. With an impressive claim settlement ratio of 94.21%, you may rest assured that your claims shall be settled seamlessly. Also, 7200+ cashless hospitals ensure you can easily treat their illness at any of the hospitals mentioned in the panel across the country.

If you happen to test positive for COVID-19, the policy has got you covered. The policy is further categorized into three types: TATA AIG MediCare, TATA AIG Medicare Premier, and TATA AIG Medicare Protect.

Eligibility Criteria

ParametersMedicareMedicare ProtectMedicare Premier
AgeMinimum- 91 Days
Policy tenure1/2/3 Years
Coverage

Up to 7 Members

(Self, Spouse, up to 3 dependent children and up to 2 dependent parents)

Types Of TATA AIG Medicare Plans

Each individual is unique and so are their medical needs. TATA AIG Medicare Plan offers three different health insurance policy variants:

  1. Tata AIG MediCare

If you are looking for a cost-effective policy that may easily cater to your medical emergencies, then you should look no further than TATA AIG MediCare! One of the major highlights of the policy is that it offers benefits such as global cover and cover for bariatric surgery and any other medical emergencies that come your way. Depending on your needs, you can select your sum insured. The company offers amounts as low as INR 3 lakhs and as high as INR 20 lakhs as per your sum insured.

  1. Tata AIG Medicare Premier

TATA AIG Medicare Premier is the ideal choice for you if you need comprehensive protection. The major highlight of the plan is that this health insurance policy covers high-end diagnostics, OPD dental care, emergency air ambulance, and more. With the policy, you can receive a sum insured amount as low as INR 5 lakhs and as high as INR 50 lakhs.

  1. Tata AIG Medicare Protect

If you are worried about hefty medical bills, then you can opt for TATA AIG MediCare Protect. One of the biggest benefits of the health insurance policy by TATA is that it covers pre-and post-hospitalization expenses, allowing you to focus on getting better instead of stressing about hospital bills.

Key Details of TATA AIG Medicare Plan

Eligibility CriteriaMedicareMedicare ProtectMedicare Premier
Restore BenefitsAvailable
Global CoverAvailableNot AvailableAvailable
Consumables benefitAvailable
Bariatric SurgeryAvailableNot AvailableAvailable
Emergency Air AmbulanceNot AvailableNot AvailableAvailable
Day Care Procedures540+ Day Care Treatments Covered
In-Patient TreatmentAvailable
High-End DiagnosticsNot AvailableRs. 25,000 per policy year covered
Accidental Death BenefitNot AvailableAvailable
Maternity CoverNot AvailableThe cost of maternity expenses up to INR 50,000 per policy year. If you welcome a baby girl, we’ll cover the costs up to INR 60,000.
First-year VaccinationsNot AvailableThe cost of first-year vaccines up to INR 10,000 for a son and up to INR 15,000 for a daughter
Organ DonorAvailable
Vaccination CoverAvailableNot AvailableAvailable
Compassionate TravelRs. 20,000
OPD Dental TreatmentNot AvailableNot AvailableMaximum of INR 10,000 per year
Pre-Hospitalization Medical ExpensesAvailable
Post-Hospitalization Medical ExpensesAvailable
Daily Cash for Choosing Shared AccommodationINR 2,000 Per DayNot AvailableINR 2,000 Per Day
Daily Cash while Accompanying a Covered ChildAvailableNot AvailableAvailable
OPD TreatmentNot AvailableNot AvailableINR 5,000 per year
Second OpinionAvailableNot AvailableAvailable
New Born Baby CoverNot Available,Not AvailableAvailable
Ambulance coverRs. 3,000Rs. 1,000Rs. 5,000
Prolonged hospitalization BenefitNot AvailableNot AvailableAvailable
AYUSH benefitAvailable
Health Check-upAvailable
In-patient Dental TreatmentAvailableNot AvailableAvailable
Cumulative bonusAvailable
Hearing AidMaximum of 50% of the actual cost of INR 10,000 per policyNot AvailableMaximum of 50% of the actual cost of INR 10,000 per policy
Domiciliary TreatmentAvailable

Benefits of TATA AIG Medicare Plan

The following are the potential benefits of the TATA AIG Medicare plan.

  1. Enjoy Significant Tax Savings

The premium you pay for medical insurance can be deducted from your taxable income under Section 80D of the Income Tax Act of 1961. A maximum deduction of INR 25,000 is available for insured individuals under 60. You could claim an additional deduction of INR 50,000 if you bought coverage for a parent over the age of 60. Please keep in mind that income tax laws are subject to change.

  1. A Wide-Reaching Network

It’s simple to make cashless claims with Tata AIG’s health insurance policy. The company partnered with over 7,200 hospitals across India, so no matter where you are, you’ll be close to one of our network hospitals. You won’t have to break a sweat if you can’t get to one of our network hospitals in the odd event that you can’t. You can acquire the treatment you require at any reputable healthcare centre.

  1. Paperless Policies

We live in a digital, fast-paced world, so we appreciate the importance of having all of your documents with you at all times. The company will email you a soft copy of your health insurance policy as soon as it’s available. You can show the TPA the digital copy at the hospital, and we’ll start the claims procedure for your health insurance. You don’t need to bring a piece of paper or a card with you to prove you purchased our health insurance coverage!

  1. Impressive High Claim Settlement Ratio

You want to know how likely you are to collect your settlement if you file a valid claim before you buy or renew your health insurance policy. The company already settled 94.21 percent of the health insurance claims received in FY 19-20. So, you don’t need to worry about the TATA AIG Medicare plan.

  1. 24*7 Assistance

The company has made it our goal to anticipate all of your needs. They consistently put your needs ahead of our own and strive to exceed your expectations. With customer service 24 hours a day, seven days a week, you can phone in the middle of the night with an emergency, and there be there for you!

Premium Calculation of TATA AIG Medicare Plan

AgeSum InsuredMedicareMedicare ProtectMedicare Premier
32 YearsRs. 5 lakhsRs. 7,934Rs. 6,347Rs. 9,867
Male- 40 Years Female- 38 YearsRs. 10 LakhsRs. 18,764NARs. 23, 158

Father- 50 Years

Mother- 48 Years

Rs. 20 LakhsRs. 35,889NARs. 42,826

Frequently Asked Questions

The TATA AIG health insurance plan does not provide coverage outside of India. TATA, on the other hand, offers an optional Global Cover Rider that allows you to receive the best medical treatment outside of India.

Only in specific circumstances is a medical examination required. Most health insurance policies can be purchased online without requiring a visit to the doctor.

An individual or a family can be covered under this policy.

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