What is the TATA AIG Medicare Plus Policy?

TATA AIG Medicare Plus policy is an excellent option for those seeking affordable and comprehensive healthcare coverage for themselves and their families. This top-up policy offers a wide range of benefits and ensures that you are taken care of even if your sum insured is exhausted. It is a great way to ensure peace of mind and financial security in the face of unexpected medical expenses.

The policy offers comprehensive coverage including in-patient hospitalization, second opinions, daycare procedures, pre and post-hospitalization costs, AYUSH benefits, ambulance coverage, organ donation expenses, global cover and more.

Introducing TATA AIG Medicare Plus - a reliable health insurance top-up plan that compliments your basic health coverage at an affordable cost. This plan is specifically designed to meet your healthcare needs and provide comprehensive protection for you and your family. With TATA AIG’s trusted legacy, you can be confident that your health and well-being will be prioritized without any compromise.

TATA AIG Medicare Plus Policy Specifications

Specification	Details
Product Name	Tata AIG MediCare Plus
Type	Health Insurance Top-Up Plan
Coverage	Extra coverage beyond basic health insurance
Policy Tenure Options	1, 2, or 3 years
Entry Age	Minimum: 18 years; Maximum: 65 years. Dependent children (91 days to 5 years) can be insured if both parents are insured.
Sum Insured	Up to ₹50 lakhs and above
Members Covered	Self, Spouse, up to 3 dependent children, and up to 2 dependent parents (total of 7 members)
Pre-Hospitalization Coverage	Pre-hospital medical expenses within 60 days
Post-Hospitalization Coverage	Medical expenses within 90 days after being discharged
In-Patient Treatment	Covers hospitalization expenses for 24+ hours
Domiciliary Treatment	Home treatment reduces the need for hospitalization, saving on medical expenses
Consumables Benefit	Hospitalization covers medical treatment consumables
Ambulance Cover	Ambulance services are covered for emergencies
Health Check-up	Preventive health check-up expenses covered up to 1% of last year’s sum insured, max 10,000 rupees, once in every 2 continuous claim-free years
Cumulative Bonus	50% bonus if no claims, up to 100% of the sum insured next year
Second Opinion	Coverage for specified serious illnesses during the policy period
Network Hospitals	8,000+ network hospitals for cashless claims
Claim Settlement Ratio	96.70% in FY23-24
Premium Discounts	Discounts for family floater and long-term policies; 5% for two years and 10% for three years
Free Look Period	15 days to cancel the policy and get the premium refunded (deducting expenses)
Customer Support	24x7 helpline: 1800 266 7780 (Toll-Free) for general inquiries and claims assistance

Coverage Benefits of TATA AIG Medicare Plus Policy

Here is a tabular representation of the coverage benefits offered by the TATA AIG Medicare Plus policy.

Benefit Category	Description
In-Patient Treatment	Covers long hospital stays of over 24 hours
Pre-Hospitalization Expenses	Medical expenses covered up to 60 days before hospital admission
Post-Hospitalization Expenses	90-day coverage for medical expenses after hospital discharge
Day Care Procedures	Covers medical expenses for outpatient procedures in hospitals or daycare centres
Organ Donor Expenses	Covers medical costs of organ donation for transplantation
Domiciliary Treatment	Covers home treatment and related costs to avoid hospitalization
AYUSH Benefit	Covers medical expenses for treatments received at AYUSH hospitals, including pre and post-hospitalization expenses
Ambulance Cover	Pays for ambulance services in emergencies
Health Checkup	Covers preventive health check-ups up to 1% of the previous year’s sum insured, max 10,000 rupees, once every two claim-free years
Consumables Benefit	Hospitalization expenses are covered based on guidelines
In-Patient Dental Treatment	Covers dental treatments with anaesthesia due to accident or illness
Second Opinion	Seek a second opinion for diagnosed specified illnesses
Cumulative Bonus	50% cumulative bonus on the sum insured after each claim-free year, up to 100% of the sum insured
Global Cover (Optional)	Covers medical expenses outside India up to the sum insured value, if illness is diagnosed in India and the insured travels abroad for treatment

What’s Covered and Not Covered in TATA AIG Medicare Plus Policy

TATA AIG Medicare Plus Policy Inclusions

In-Patient Treatment
Pre-Hospitalization
Post-Hospitalization
Day Care Procedures
Organ Donor Expenses
Domiciliary Treatment
In-patient Dental Treatment
AYUSH Benefit
Ambulance Cover
Health Check-up
Second Opinion
Consumables Benefit
Cumulative Bonus
Global Cover

TATA AIG Medicare Plus Policy Waiting Period

30-day waiting period for illnesses (not for accidents or renewals)
24-month waiting periods for 40 listed diseases/procedures (not applicable to accident-related claims)
Coverage for pre-existing diseases begins after 36 months

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TATA AIG Medicare Plus Policy Claim Process

TATA AIG Medicare Plus policyholders can choose between cashless claim service or reimbursement claim service to avail of the policy benefits. Here is an overview of both the processes.

Cashless Claim Process

Notify the insurance officials 48 hours before planned hospitalization for treatment, consultation or procedure

If you need emergency hospitalization or treatment, you must tell the insurer within 24 hours

Provide the requested ID card and additional documents to the network hospital as required

Reimbursement Claim Process

Notify the TPA within 7 days of treatment completion

Submit claim documents to the TPA within 15 days of the incident

Please send claim documents to TATA AIG General Insurance Company at Imperial Towers, Ameerpet, Hyderabad.

TATA AIG Medicare Plus 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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