TATA AIG
Medicare
The Tata AIG MediCare offers sum insured options from ₹3 lakhs to ₹20 lakhs. Its key features include worldwide coverage for medical emergencies and planned treatments (up to SI, provided diagnosis was done in India), a 100% restoration of the sum insured, and wellness services for maintaining & improving good health.. The plan also comes with a cumulative bonus (50% increase up to 100% of Base SI) if no claims are made, coverage for 540+ daycare procedures, domiciliary treatments (up to SI), and AYUSH coverage (up to SI). It provides preventive health check-ups every two years and vaccination cover (up to ₹ 5000 per policy).
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 50% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Consumables are covered in this policy
Consumables are covered in this policy.
Free Health Checkups every 2 years
If you’re planning on getting a full body checkup every 2 years just to make sure you’re in fine working condition, the insurer will cover the costs.
Gym perks are included in this policy
Gym perks are included in this policy.
What's lacking here?
Maternity benefits not offered
The insurer does not cover expenses related to maternity
Doctor consultations are not covered
Doctor consultations are not covered.
Add-on
Personal Accident cover
With this add-on, the insurance company will payout a lumpsum amount based on the cover chosen, in case the selected insured member of the policy passes away in an accident.
Frequently Asked Questions
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