TATA AIG MediRaksha Insurance

 
  • Entry age is 18years to 65years.
  • Lifelong renewal provided.
  • Coverage available is Rs. 50,000, Rs. 75,000 and Rs. 1 lakh.
  • No medical check up required if you are taking the policy before the age of 55 years.
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MediRaksha is an affordable health insurance policy that will help you and your family in taking care of a medical emergency and the rising medical costs you may have not predicted so far. It is a basic medical insurance plan, covering emergencies and illnesses, hospitalization and surgical treatments.
Eligibility
  • Entry age is 18 years to 65 years for the proposer.
  • you can insure yourself, your spouse, upto 3 dependent children and your dependent parents. Child between 91 days to 5 years can be insured only when either parent is getting insured under this policy.
Annual Premium Table (in INR)
Age Group / Sum Insured (Rs.) 50,000 75,000 1,00,000
0-17 Yrs 1,323 1,497 1,607
18-35 Yrs 1,488 1,57 1,935
36-45 Yrs 1,634 1,983 2,223
46-50 Yrs 2,160 2,671 3,035
51-55 Yrs 2,506 3,144 3,608
56-60 Yrs 3,125 3,961 4,578
61-65 Yrs 4,146 5,291 6,150
66-70 Yrs 5,614 7,198 8,397
71-75 Yrs 7,115 9,140 10,689
76-80 Yrs 9,177 11,793 1,38,007
> 80 Yrs 10,578 13,840 16,386
  • Ease of Timely Claims Settlement.
  • Cashless facility across a strong and wide network of hospitals across India.
  • No medicals on enrollment – Upto 55 years.
  • No loading on renewal premium in case of a claim.
  • Get a family discount of 10%, if 2 or more members of a family are covered under the same policy on Individual sum insured basis.
  • Get an additional 7.5% discount in premium by paying premium of 2 years in advance as single premium.
  • Renewal incentive like free health check up.
  • Tax Benefits-Get tax benefits for premium paid on policies as per section 80D of the Income Tax Act.Tax benefits are subject to changes in tax laws.

  • In – patient hospitalization – including room rent ,ICU, nursing, medicines drugs & consumables covered.
  • Pre and Post Hospitalization medical expenses - Expenses incurred upto 30 days immediately before hospitalization and upto 60 days immediately after discharge are covered.
  • Day Care Procedures –Covers 144 day care treatments.
  • Organ Donor - The policy covers inpatient medical expenses incurred on the insured (i.e recipient) and the organ donor for harvesting.
  • Health Checkup - 1% of the Sum Insured in the fourth year Policy subject to a maximum of Rs. 1,000 per Insured Person only once at the end of a block of every continuous four claim free years during which You have been insured with Us.
  • Settlement of your claims - We settle your claims hassle free and quickly
  • Network of Hospitals - network of 3000+ hospitals across India
  • Lifelong Renewal - We offer you a lifelong renewal for your policy
  • Portability - A policy holder desirous of porting (shifting) his policy to us shall apply at least 45 days before the premium renewal date of his existing policy.
  • Tax savings - If one purchases a health insurance policy for self /spouse/children, he/she can claim a tax deduction of upto Rs. 25000. When one purchases a health insurance policy for parents (a senior citizen), he/she is eligible for an additional tax deduction benefit upto Rs. 30,000. These benefits are covered under section 80D of Income Tax Act 1961. Tax benefits are subject to changes in tax laws.
  • Copayment of 15% on each and every claim under this policy: Co-Payment means a cost-sharing requirement applicable under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible amount. A Co-Payment does not reduce the Sum Insured.

    • Intentionally self-inflicted Injury or illness;
    • Conditions related to or arising out of HIV;
    • AIDS; War; Congenital anomalies;
    • Pregnancy and all related conditions; Abuse of drugs and alcohol and addiction or overdose etc.
    Note: Please refer to policy wordings for the list of exclusions.

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