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Tata AIG Medicare Protect Health Insurance

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Tata AIG Health Insurance
Medicare Protect Policy
Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583
RenewabilityLifelong

About Tata AIG Medicare Protect Health Insurance

Medicare Protect Policy offered by Tata AIG General Insurance Company is a robust medical insurance plan that comes with the right set of features and benefits. The policy comes with a variety of sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh that you can choose as per your requirement. The minimum and maximum entry age for the policy is 91 days and 65 years respectively and you can buy it for 1 year, 2 years, or 3 years, as per your budget and requirement. Apart from self, the policy can cover up to 7 members. These include self, spouse, up to 3 dependent children and up to 2 dependent parents. The policy comes with an initial waiting period of 30 days during which no claims can be made.

The policy offers coverage for various healthcare expenses such as in-patient hospitalisation expenses, ambulance cover, organ donor expenses, domiciliary hospitalisation expenses, AYUSH benefits, pre-hospitalisation expenses, post-hospitalisation expenses, health check-up, compassionate travel expenses, etc. Other benefits that the policy offers you include tax benefits, free look period, option to avail accidental death rider by paying a little extra health insurance premium, lifetime renewability benefit, option of sum insured enhancement at the time of renewal, etc.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Organ donor expenses
  • Cover for ambulance expenses for up to Rs. 1,000 per hospitalisation
  • Pre-hospitalisation and post-hospitalisation expenses
  • Treatments taken under AYUSH systems of medicines
  • Compassionate travel expenses for up to Rs. 20,000

What's Not Included

  • Hospitalisation for the purpose of investigation
  • ntentional self-injury including attempt of suicide
  • Treatment given by a Medical Practitioner that is outside his discipline
  • Claims made during the waiting period is not covered
  • Treatment of congenital external diseases, anomalies etc
  • Insured committing breach of law with criminal intent

4975 Tata AIG Cashless Network Hospitals in India

Add-ons to Enhance Benefits

  • Accidental Death Rider

    Accidental death rider covers you for 100% of the sum insured in case the insured person dies in a misfortunate event of an accident. Note that the benefit is not applicable to dependent children included under the policy.

Claim Process at Tata AIG Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Medicare Protect Policy Health Insurance Plan

  • What is the eligibility for Medicare Protect Policy offered by Tata AIG General Insurance Company?

    Medicare Protect Policy can cover people aged between 91 days and 65 years. 

  • What are the waiting periods under Medicare Protect Policy?

    Medicare Protect Policy comes with the following waiting periods: 

    • Initial waiting period of 30 days from the date of commencement of policy
    • Waiting period of 24 months for listed illnesses/treatments
    • Waiting period of 48 months for pre-existing conditions 

     

  • Is pre-policy check-up required to be covered under Medicare Protect Policy?

    Until 5 years of age, there is no requirement of medicals or Tele Medical Examination Report to be covered under Medicare Protect Policy. However, people aged between 46 years and 65 years require a Tele Medical Examination Report (TeleMER). 

  • Who all can be covered under Medicare Protect Policy?

    Medicare Protect Policy covers up to 7 members. These include self, spouse, up to 3 dependent children and up to 2 dependent parents. 

  • Is there any free look period provided under Medicare Protect Policy offered by Tata AIG General Insurance Company?

    Yes. If covered under Medicare Protect Policy, you can avail free look period of 15 days during which you can go through the policy terms and conditions and understand it better. 

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