What is the Tata AIG Medicare Lite Policy?

TATA AIG Medicare Lite provides comprehensive medical coverage while also relieving the financial burden of healthcare expenses. This policy allows you to prioritize the well-being of your loved ones without compromising your peace of mind. With Tata AIG Medicare LITE, you can ensure the safety of your family without worrying about the associated costs.

Tata AIG Medicare LITE Policy Specifications

Feature	Details
Policy Name	Tata AIG Medicare LITE
UIN	TATHLIP24132V012324
Minimum Entry Age	91 days
Maximum Entry Age	65 years
Policy Tenure Options	1, 2, or 3 years
Plan Type	Individual or Family Floater
Coverage Relationships	Self, spouse, up to 3 dependent children, up to 2 parents or parents-in-law
Sum Insured Options	₹5 Lacs, ₹7.5 Lacs, ₹10 Lacs, ₹15 Lacs, ₹20 Lacs
Key Benefits	In-Patient Treatment Pre-Hospitalization Expenses Post-Hospitalization Expenses Day Care Treatment Organ Donor Expenses Domiciliary Treatment Restore Benefit AYUSH Benefit Ambulance Cover Health Checkup Compassionate Travel Daily Cash for Shared Accommodation Second Opinion Cumulative Bonus Accidental Death Benefit (Optional)
Restore Benefit	Automatically restores 100% of the Sum Insured once per policy year if the remaining Sum Insured and accumulated Cumulative Bonus are insufficient to cover an eligible claim
Cumulative Bonus	You can earn a 50% increase in the base Sum Insured for every claim-free year. This bonus continues until it reaches a maximum of 100% of the base Sum Insured
Health Checkup	Cashless health checkups are organized annually, allowing individuals to receive the services without having to pay upfront, regardless of whether they have filed any previous claims
Teleconsultation	Access to teleconsultations via digital communication for health-related complaints or preventive care is essential
Discounts	5% and 10% long-term discounts for policy terms of 2 and 3 years, respectively. Family floater discounts are based on the number of members (20%-32%). 10% discount for TATA Group employees.
Exclusions	Congenital external diseases Alcohol-related diseases Non-payable items as specified in the policy.
Cancellation Policy	15-day free look cancellation period during which you have the opportunity to cancel your premium without any charges. However, please note if you choose to cancel your premium due to non-disclosure or fraud, no refund will be provided
Portability	The policy can be transferred with the application at least 45 days before renewal
Claim Settlement	Cashless claims are available at network hospitals TAT for preauthorization is 2 hours, and 4 hours for final bill authorization.

Coverage Benefits of TATA AIG Medicare Lite Policy

Benefit Name	Coverage Details
Inpatient Treatment	Coverage up to the full sum insured
Pre-Hospitalization Costs	Coverage for up to 60 days
Post-Hospitalization Costs	Coverage for up to 180 days
Daycare Procedures	Covered up to the full sum insured
Organ Donor Expenses	Covered up to the full sum insured
Home Treatment (Domiciliary)	Covered up to the full sum insured
Policy Restoration Benefit	Available once per policy year, coverage up to the full sum insured
AYUSH Treatment	Covered up to the full sum insured
Ambulance Charges	Up to ₹3,000 per hospitalization
Health Checkup	Annual checkup for listed tests, cashless basis only
Compassionate Travel	Coverage up to ₹20,000 per policy year, beyond the base sum insured
Bariatric Surgery Coverage	Coverage up to the full sum insured
Inpatient Dental Treatment	Coverage up to the full sum insured
Vaccination Coverage	Up to ₹5,000 per policy year, as per the list, beyond the base sum insured
Hearing Aid Coverage	50% of actuals, maximum ₹10,000 per policy, every third year of continuous coverage, beyond the base sum insured
Daily Cash for Shared Accommodation	0.25% of base sum insured; max ₹2,000 per day, beyond base sum insured; applies only in network hospitals
Daily Cash for Accompanying Child	0.25% of base sum insured; max ₹2,000 per day, beyond base sum insured; applies only in network hospitals
Second Medical Opinion	Available for specified conditions as per policy terms
Cumulative Bonus	50% of the base sum insured added per claim-free policy year, up to 100% of the base sum insured
Accidental Death Benefit	100% of base sum insured, not available for insured children or those under 18 years of age
Wellness Services	Teleconsultation services available
Room Category	Coverage for a single private room; proportional deductions apply if admitted to a higher category room

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TATA AIG Medicare Lite Claim Process

Cashless Claim Process

1

You must inform the TATA AIG officials at least 48 hours before the scheduled hospitalization for any treatment or procedure that might lead to a claim

2

Notify the officials within 24 hours after any emergency treatment or hospitalization requiring a claim

3

Present your ID card and any requested documents to the network hospital or TPA

Reimbursement Claim Process

1

Inform the TPA or TATA AIG officials within 7 days after treatment

2

Submit the required documents to TPA or the TATA AIG officials within 15 days of the incident

3

Send the claim documents to TAT AIG General Insurance Company Limited at Imperial Towers, Ameerpet, Hyderabad. For queries, call 040-66864900

TATA AIG Medicare Lite Health Insurance Contact Details

Customer Care Number : 1800 266 7780 (Toll-free), 1800 22 9966 (for senior citizens)
Customer Care WhatsApp Number : +91 9136160375
Customer Care Email : customersupport@tataaig.com
Customer Care Address :
- Mumbai: 508A-509, Kailas Plaza, Fifth Floor, V B Lane, Ghatkopar East, Mumbai – 400077
- New Delhi: 22, Community Centre, Second Floor, New Friend's Colony, New Delhi - 110065
- Bangalore: JP & Devi Arcade, 1st Floor, 14th Cross, 1st Phase, JP Nagar, Bangalore - 560078

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