Benefits | Tata AIG Medicare Protect |
---|---|
Maximum Sum Insured | 200,000 / 300,000 / 400,000 / 500,000 |
Inpatient Treatment | Covered upto max SI |
Room Rent Charges | Room Rent covered for Shared accomodation |
Ambulance Charges (per policy period) | upto ₹ 1,000 per hospitalisation |
Air Ambulance (per policy period) | - |
Pre Hospitalisation Expenses incurred | upto 30 days |
Post Hospitalisation Expenses incurred | Upto 60 days |
Delivery Charges (Normal) | - |
Deliver Charges (Caesarean) | - |
Waiting Period for Delivery | - |
Coverage for New Born Child | - |
First Year Vaccination Charges | - |
Outpatient (OPD) Dental Cover | - |
Daily Cash - per day limit for shared accomodation / accompanying and insured child | - |
Health Check Up | 1% of Sum Insured subject to 3 claims free years upto ₹10,000 |
Restoration Benefit after exhaustation of Sum Insured (once during policy period) | upto Sum Insured |
Bariatric Surgery(per policy period | - |
Accidental Death | - |
Day Care Procedures | 541 listed procedures covered List of Day Care procedures |
Organ Donor | upto Sum Insured |
Domiciliary Treatment | upto Sum Insured |
E Opinion for Critical Illness | - |
Ayush Benefit | Covered Upto Sum Insured |
Global Coverage for Treatment | - |
Second Opinion | - |
Vaccination Charges (NIL waiting) | - |
Vaccination Charges (after waiting period of 2 years) | - |
Inpatient Dental Treatment | - |
Hearing Aid | - |
Prolonged Hospitalisation Benefit | - |
High End Diagnostics | - |
Outpatient Treatment | - |
Compassionate Visit (Travel) | Upto 20,000 |
Cumulative Bonus | 10% of Sum Insured (for every claim free year) upto 100% |
Consummables Benefit | Included as per IRDAI 2016 guidelines |
Accidental Death Benefit | - |
Additional Covers | |
Accidental Death Benefit | Coverage upto 100% of Sum Insured only for Primary Insured |
Benefits | Tata AIG Medicare Protect |
---|---|
Health Check Up | Over and above SI |
Vaccination Cover | - |
Hearing Aid | - |
Daily Cash for accompanying an insured child | - |
Prolonged Hospitalisation | - |
High End Diagnostics | - |
Outpatient (OPD) Treatment | - |
Outpatient (OPD) Treatment – Dental | - |
Emergency Air Ambulance Cover | - |
Compassionate Travel | Over and above SI |
Daily Cash for shared accommodation | - |
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 |
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 | 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 |
Health Insurance is an insurance plan that provides coverage against medical expenses, following an accident or sickness to the insured and his/her family members. It also covers expenses incurred by the insured before and after hospitalisation under the pre and post hospitalisation coverage. Some of the other features include treatment for Day Care procedures, Maternity, Organ Donation, AYUSH treatment etc.
Firstly Life insurance and Health Insurance are two different policies offering two different types of coverage. Most importantly, Life insurance covers the unfortunate mortality of the life assured but will not pay for medical expenses incurred by the individual if this hospitalisation occurred prior to his/her demise. Secondly Life insurance can also be used as an investment which provides both investment returns and life cover, whereas Health Insurance provides only coverage for medical treatment. It is strongly recommended that every individual has both policies, since they are complimentary in nature.
Pre-existing diseases are those which the insured already carries before purchasing a health insurance policy. The proposer must declare any pre-existing disease/condition at the time of buying a medical insurance plan. One of the key factors to keep in mind is that the pre-existing diseases have a waiting period (which differs from company to company) and in the case of Tata AIG, it varies from 24 months to 48 months depending on the pplan opted for. Post this waiting period, one can be sure that they will be eligible to avail full benefits of your medical insurance policy.
Review TATA AIG Medicare Protect insurance brochure to understand coverage details.
Fill the online TATA AIG health insurance - Medicare Protect proposal form.
Review TATA AIG health insurance - Medicare Protect policy wordings which explains the terms and conditions.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Know more »TATA AIG Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 4000+ Hospitals
Know more »Compare Indian health insurance policies, Health insurance India comparison
Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.
Know more »FAQ related to Indian health insurance. Get answers for any health insurance questions
India health insurance tips and tricks to choose the best medical insurance in India Click here to read more
Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more