TATA AIG Medicare insurance

Tata AIG MediCare health insurance benefits

• Key policy features of Tata AIG medicare insurance

  • Room Rent : Shared Accommodation(with 10% co-pay)/ Single Private A/c Room
  • Co-pay : NIL co-pay for all treatment
  • Restoration Benefit: NIL co-pay for all treatment
  • Policy Type
    • Individual
    • Family Floater
      • Self
      • Spouse
      • 3 dependent children (upto the age of 25 years. Once the child completes 25 years, they can be covered as an Independent member without losing the continuity benefit)
      • 2 dependent parents
  • Policy Tenure
    • 1 /2/3 years
  • Lifetime Renewability

  Eligibility of Tata AIG medicare insurance

  Entry Age
  • 5 years onwards
  • Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy
  • Maximum entry age is 65 years
  • No maximum ceasing age

• Unique selling proposition of Tata AIG Medicare health insurance

  • Catering to needs as per a developing Indian Health market in terms of Benefits / Sum Insured Options
  • Special Features
    • Higher sum insured options in MediCare (upto ₹20 Lacs) and MediCare Premier (upto ₹50 Lacs)
    • No room rent restrictions in MediCare Premier/MediCare
    • In case of MediCare, two variants for accommodation cover – Single Private room/ Shared
    • Restore Benefit (for related as well as unrelated illnesses)
    • Longer tenure upto 3 years
    • Consumables Benefit available
    • Higher Cumulative Bonus than most plans in the India market
    • Optional PA cover for MediCare Protect and MediCare
  • Tata AIG is equipped to offer quality health care with our strong network of 4000+ hospitals across India.
  • Lifelong renewal: Lifelong renewal for your policy provided premium is paid without any break. Premiums will be basis the age, sum insured and plan with no extra loading
  • Global Cover: Insured can be covered for Medical Expenses incurred outside India, upto the sum insured provided that the diagnosis was made in India and the insured travels abroad for treatment.
  • Process
    • Uniform PPC grids
    • Simpler & Reduced medical questions in Proposal Form
    • Tele Underwriting – Medical Examination Report over the telephone
  • Claims
    • Plan for in house servicing of claims

• Benefits of Tata AIG Medicare insurance(All amounts in ₹ INR)

  Tata AIG Medicare Protect	Tata AIG Medicare	Tata AIG Medicare Premier
  Maximum Sum Insured
  200,000 / 300,000 / 400,000 / 500,000	3,00,000 / 4,00,000 / 5,00,000 / 7,50,000 / 10,00,000 / 15,00,000 / 20,00,000	5,00,000 / 10,00,000 / 15,00,000 / 20,00,000 / 25,00,000 / 50,00,000
  Inpatient Treatment
  Covered upto max SI	Covered upto max SI	Covered upto max SI
  Room Rent Charges
  Room Rent covered for Shared accomodation	Room Rent covered for Shared accomodation + Single Private Rooms 10% co-pay is applicable in case the insured opts for a higher room category in case the plan opted is for shared accommodation	No restrictions
  Ambulance Charges (per policy period)
  upto ₹ 1,000 per hospitalisation	upto ₹ 3,000 per hospitalisation	upto ₹ 5,000 per hospitalisation
  Air Ambulance (per policy period)
  -	-	upto 5,00,000
  Pre Hospitalisation Expenses incurred
  upto 30 days	upto 60 days	upto 60 days
  Post Hospitalisation Expenses incurred
  upto 60 days	upto 90 days	upto 90 days
  Delivery Charges (Normal)
  -	-	50,000 (60,000 for a girl child)
  Deliver Charges (Caesarean)
  -	-	50,000 (60,000 for a girl child)
  Waiting Period for Delivery
  -	-	48 months
  Coverage for New Born Child
  -	-	10,000
  First Year Vaccination Charges
  -	-	10,000 (15,000 for a girl child)
  Outpatient (OPD) Dental Cover
  -	-	10,000 after completing two years of continous coverage
  Daily Cash - per day limit for shared accomodation / accompanying and insured child
  -	Upto 0.25% of Sum insured max ₹2,000 each	Upto 0.25% of Sum insured max ₹2,000each
  Health Check Up
  1% of Sum Insured subject to 3 claims free years upto ₹10,000	1% of Sum Insured subject to 3 claims free years upto ₹10,000	1% of Sum Insured every year upto ₹10,000
  Restoration Benefit after exhaustation of Sum Insured (once during policy period)
  upto Sum Insured	upto Sum Insured	upto Sum Insured
  Bariatric Surgery(per policy period)
  -	Covered	Covered
  Accidental Death
  -	-	Fixed amount of 100% SI
  Day Care Procedures
  541 listed procedures covered	541 listed procedures covered	541 listed procedures covered
  Organ Donor
  upto Sum Insured	upto Sum Insured	upto Sum Insured
  Domiciliary Treatment
  upto Sum Insured	upto Sum Insured	upto Sum Insured
  E Opinion for Critical Illness
  -	Included	Included
  Ayush Benefit
  Covered Upto Sum Insured	Covered Upto Sum Insured	Covered Upto Sum Insured
  Global Coverage for Treatment
  -	Covered upto max SI provided diagnosis was made in India	Covered upto max SI provided diagnosis was made in India
  Second Opinion
  -	Included	Included
  Vaccination Charges (NIL waiting)
  -	Covered for ₹ 5,000 for Anti Rabies and Typhoid	Covered for ₹ 5,000 for Anti Rabies and Typhoid
  Vaccination Charges (after waiting period of 2 years)
  -	Covered for ₹ 5,000 for HPV and Hepatitis B	Covered for ₹ 5,000 for HPV and Hepatitis B
  Inpatient Dental Treatment
  -	Included	Included
  Hearing Aid
  -	50% of Actual or 10,000 every third year	50% of Actual or 10,000 every third year
  Prolonged Hospitalisation Benefit
  -	-	1% of SI if continous hospitalisation is for more than 10 days
  High End Diagnostics
  -	-	Upto 25,000 per policy year
  Outpatient Treatment
  -	-	5000 once for every two years
  Compassionate Visit (Travel)
  Upto 20,000	Upto 20,000	Upto 20,000
  Cumulative Bonus
  10% of Sum Insured (for every claim free year) upto 100%	10% of Sum Insured (for every claim free year) upto 100%	10% of Sum Insured (for every claim free year) upto 100%
  Consummables Benefit
  Included as per IRDAI 2016 guidelines	Included as per IRDAI 2016 guidelines	Included as per IRDAI 2016 guidelines
  Accidental Death Benefit
  -	-	100% of Sum Insured
  Additional Covers
  Accidental Death Benefit
  Coverage upto 100% of Sum Insured only for Primary Insured	Coverage upto 100% of Sum Insured only for Primary Insured	NA

• Tata AIG Medicare Insurance coverage details (related to Sum Insured [SI])

  It is important to note that the Sum Insureds covered in the policy against the benefits listed below are over and above the primary / base sum insured.

  For example, if an individual purchases a Medicare Premier Plan for a base sum insured of ₹15,00,000, then the Sum Insured for Health Check up (₹10,000), Vaccination Cover (₹5,000), Hearing Aid (₹10,000), Daily Cash for both accompanying a child and shared accommodation (₹4,000), Prolonged Hospitalisation (1% of SI, ₹1,500), High End Diagnostics (₹25,000), Emergency Air Ambulance Cover (₹5,00,000), Compassionate Travel (₹20,000) amounting to ₹5,75,500 is available to the insured taking the total coverage under the policy to be ₹20,75,500 for the policy year.

  Tata AIG Medicare Protect	Tata AIG Medicare	Tata AIG Medicare Premier
  Health Check Up
  Over and above SI	Over and above SI	Over and above SI
  Vaccination Cover
  -	Over and above SI	Over and above SI
  Hearing Aid
  -	Over and above SI	Over and above SI
  Daily Cash for accompanying an insured child
  -	Over and above SI	Over and above SI
  Prolonged Hospitalisation
  -	-	Over and above SI
  High End Diagnostics
  -	-	Over and above SI
  Outpatient (OPD) Treatment
  -	-	Over and above SI
  Outpatient (OPD) Treatment – Dental
  -	-	Over and above SI
  Emergency Air Ambulance Cover
  -	-	Over and above SI
  Compassionate Travel
  Over and above SI	Over and above SI	Over and above SI
  Daily Cash for shared accommodation
  -	Over and above SI	Over and above SI

• Discounts under Medicare products

  • Family Floater
    • 20% for 2 members
    • 28% for 3 members
    • 32% for more than 3 members
  • Tenure
    • 5% for 2 years
    • 10% for 3 years

  Plan (premium in ₹)	Details
  No of family Members (Ages 35, 33, 7)	3
  Tenure	3
  Sum Insured	10,00,000
  Age of the Insured	Individual Premium Year 1	Individual Premium Year 1	Individual Premium Year 1
  35	12,000	15,000	15,000
  33	10,000	13,500	13,500
  7	7,500	7,500	7,500
  Total Individual Premium	1,01,500
  Family Floater Discount applicable	28%
  Tenure Discount	10%
  Net Premium Payable (exclusive of tax)	62,930

  Please note that the discounts applied on applicable premium are as per the Medicare Product. The Premiums are for illustration purpose only…please obtain a quote from EIndia website with the exact applicable premiums.
  
  Pre policy check up (PPC) grid

  Age	All Sum Insureds (₹2, 3, 4, 5, 7.5, 10, 15, 20, 25, 50 lacs)
  91 days – 45 years	Nil
  46 years – 65 years	Tele Medical Examination Report

  Waiting period applicable under Medicare

  	Waiting Period	Benefits / Plans
  Initial Waiting Period	30 days	All Benefits / All Plans
  Specific Waiting Period	24 months	Applicable to Specified Benefits under Respective Plans
  Pre Existing Disease / Conditions	48 months	Medicare Protect
  	36 months	Medicare
  	36 months	Medicare Premier

• Description of key benefits under Tata AIG Medicare Protect insurance

  • Pre and Post Hospitalisation The Medical Expenses incurred upto 60 days immediately before the Insured Person is hospitalized and those expenses incurred upto 90 days immediately after dischargepost Hospitalisation is covered.
  • In-patient Treatment The insurance company will cover expenses for hospitalization due to disease/illness/Injury during the policy period that requires an Insured Person’s admission in a hospital as an inpatient. Medical expenses directly related to the hospitalization would be payable.
  • Bariatric Surgery Cover The policycovers reasonable and customary expenses for Bariatric surgery if the insured fulfils conditions as listed in the policy
  • Sum Insured Restore Benefit If the Sum Insured including cumulative bonus is completely utilized during the policy period, an additional amount equivalent to the base Sum Insured will be restored once during the policy period and can also be used for admissions due to related illness/diseases after 45 days from the date of discharge of the earlier claim.This benefit cannot be carried forward to subsequent renewals.
  • High End DiagnosticsThe policy will pay the insured for the listed diagnostic tests on OPD basis if required as part of a treatment subject to Rs. 25,000 per policy year annually.
  • Emergency Air Ambulance Cover Coverage is available for ambulance transportation of the insured person in an airplane or helicopter subject to maximum of Rs. 500,000.
  • Maternity Cover Tata AIG will cover Maternity Expenses upto a maximum of Rs. 50,000/- (in case of birth of girl child cover would be for Rs.60,000) per policy through Normal or Caesarean births.
  • Consumables Benefit The policy pays for expenses incurred, for consumables which are listed in ‘Items for which optional cover may be offered by insurers’ under ‘Guidelines on Standardization in Health Insurance, 2016’, which are consumed during the period of hospitalization directly related to the insured’s medical or surgical treatment of illness/disease/injury.
  • Cumulative bonus Upto50% increase in cumulative bonus for is available for every claim free year. In the case a claim is made during the policy year, the cumulative bonus would reduce by upto 50% in the following year.
  • Day Care Procedures The policycovers expenses for listed 541 Day Care Treatments due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre.
  • Organ Donor The Medical and surgical Expenses of the organ donor for harvesting the organ where an insured person is the recipient is covered under the policy.
  • Domiciliary Treatment The Medical Expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalisation including pre and post expenses are covered.
  • AYUSH benefit Medical Expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy are covered.
  • Ambulance Cover For utilizing ambulance service for transporting insured person to hospital in case of an emergency is covered under the policy.
  • New Born Baby Cover The policy covers medical expenses incurred for the medically necessary treatment of the new born baby upto Rs.10, 000 for complications related to delivery. This benefit will trigger only in case where thereis an admitted maternity claim.
  • First year Vaccinations The policy will pay for vaccination expenses for up to one year after the birth of the child subject to a limit of ₹10,000/-(₹15,000/- limit in case of girl child) provided the child is covered with us. This benefit will trigger only in case where there is an admitted the maternity claim.
  • Health Check Up Expenses for a Preventive Health Check-up upto 1% of policy sum insured subject to a maximum of Rs. 10,000/- per policy is offered under the plans.
  • Second Opinion Tata AIG provides the insured with an option to seek a second opinion from Network Provider or Medical Practitioner, if an Insured Person is diagnosed with the mentioned Illnesses during the Policy Period.
  • Vaccination Cover The policy covers expenses related to the cost of the following vaccines:
    • Without any waiting period - Anti-rabies vaccine following an animal bite / Typhoid vaccination
    • After 2 years of continuous coverage - Human Papilloma Virus (HPV) vaccine / Hepatitis B Vaccine
  • Hearing Aid The policy offers coverage for reasonable charges for hearing aid every third year. The maximum payable is 50% of actual cost or Rs. 10,000/- per policy, whichever is lower.
  • Daily Cash For Choosing Shared Accommodation The policy pays for a fixed amount per day as mentioned in the policy schedule if the Insured Person is Hospitalized in Shared Accommodation in a Network Hospital for each continuous and completed period of 24 hours. The benefit payable per day would be 0.25% of base sum insured and max. ₹2,000 per day.
  • Daily Cash For Accompanying An Insured Child The policy also pay a fixed amount per day, as mentioned in the schedule, if the Insured Person Hospitalized is a child Aged 12 years or less, for one accompanying adult for each complete period of 24 hours. The benefit payable per day would be 0.25% of base sum insured and max ₹2,000 per day.
  • Prolonged Hospitalization Benefit The insurer will pay a fixed amount of 1% of sum insured, in the event of insured hospitalized for a disease/illness/injury for a continuous period exceeding 10 days.
  • High End Diagnostics Tata AIG will pay the insured for the following diagnostic tests on OPD basis if required as part of a treatment subject to Rs. 25,000 per policy year annually: a)Brain Perfusion imaging,b)CT guided Biopsy,c)CT Urography,d)Digital Subtraction Angiography (DSA), e)Liver Biopsy, f)Magnetic Resonance Cholangiography Scan, g) PET CT scans,h)PET MRI scans, i) Renogram
  • OPD Treatment Once the insured has completed two years of continuous coverage with us, the policy covers expenses related to consultations and pharmacy subject to ₹5,000 per policy year annually subject to policy terms and conditions.
  • OPD Treatment-Dental Once the insured has completed two years of continuous coverage with us, coverage is available for expenses related to the following dental treatments only subject to ₹10,000 per policy year annually for a)Root Canal Treatment (single or multiple sittings), b)Tooth extraction(s) and c)Filling
  • Compassionate Travel In the event the Insured Person is Hospitalized for more than Five consecutive days in a place where no adult member of his immediate family is present, coverage is available for expenses related to a round trip economy class air ticket, or firstclass railway ticket, to allow the Immediate Family Member be at his/her bedside for the duration of his stay in the hospital. The expenses must be incurred within India and shall not exceed ₹20,000 during a policy year.
  • Accidental Death benefit If an Insured Person suffers an accident during the policy period and this is the sole and direct cause of his death within 365 days from the date of accident, then the policy pays a fixed amount of 100% of the base Sum Insured.

• Exclusions under the Medicare health product

  The following are the key Medical and Non Medical Exclusions under Tata AIG’s Medicare Plans. Please go through the Terms and Conditions of the policy for the complete list of the exclusions:

  Medical Exclusions

  • “AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human immunodeficiency virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS related complex), Lymphomas in brain, Kaposi’s sarcoma, tuberculosis.
  • The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol, including smoking cessation programs and the treatment of nicotine addiction or any other substance abuse treatment or services, or supplies.
  • Treatment of Obesity and any weight control program subject to cover under benefit bariatric surgery.
  • Psychiatric, mental disorders (including mental health treatments); Parkinsons and Alzheimer’s disease;
  • Congenital external diseases, defects or anomalies;
  • Stem cell implantation or surgery; or growth hormone therapy;
  • Sleep-apnea
  • Charges related to peritoneal dialysis (CAPD), including supplies
  • Admission primarily for diagnostic and evaluation purposes only.
  • Venereal disease, sexually transmitted disease or illness;
  • Sterility, treatment whether to effect or to treat infertility; any fertility, sub-fertility or assisted conception procedure; surrogate or vicarious pregnancy; birth control, contraceptive supplies or services including complications arising due to supplying services.
  • Laser treatment for correction of eye due to refractive error;
  • Aesthetic or change-of-life treatments of any description such as sex transformation operations, treatments to do or undo changes in appearance or carried out in childhood or at any other times driven by cultural habits, fashion or the like or any procedures which improve physical appearance.
  • Plastic surgery or cosmetic surgery unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an Accident, Cancer or Burns.
  • All preventive care, vaccination including inoculation and immunisations (except in case of post- bite treatment and other vaccines explicitly covered);

  Non-Medical Exclusions

  • War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, ionising radiation.
  • Any Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
  • Intentional self-injury or attempted suicide while sane or insane.
  • Charges incurred at a Hospital primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, for which confinement is required at a Hospital.
  • Items of personal comfort and convenience like television (wherever specifically charged for), charges for access to telephone and telephone calls, internet, foodstuffs (except patient’s diet), cosmetics, hygiene articles, body care products and bath additive, barber or beauty service, guest service as well as similar incidental services and supplies.
  • Doctor’s fees charged by the Medical Practitioner sharing the same residence as an Insured Person or who is an immediate relative of an Insured Person's family.
  • Provision or fitting of hearing aids, spectacles or contact lenses including optometric therapy unless explicitly stated and covered in the policy.
  • Any treatment and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
  • Crutches or any other external appliance and/or device used for diagnosis or treatment (except when used intra-operatively and explicitly stated and covered in the policy)
  • Any claim incurred after date of proposal and before issuance of policy where there is change in health status of the member and the same is not communicated to us.
  • All expenses incurred by the Policyholder/ Insured Person at the Hospital or any institution about which the Company has expressly notified that the Claim incurred at such Hospital/institution shall not be payable (except reimbursement claims related to accidents and life threatening conditions). The updated list of such Hospitals can be obtained through the Company's website or Call Center.

Tata AIG health insurance FAQ’s