TATA AIG MediCare Plus Health Insurance plans

Benefits of TATA AIG MediPlus insurance policy

• In-patient Benefits – Covers expenses for hospitalization due to disease/illness/lnjury during the policy period that requires an Insured Person's admission in a hospital as an inpatient. Medical expenses directly related to the hospitalization would be payable.
• Pre-Hospitalization – Medical Expenses incurred up to 60 days before the date of admission to the hospital.
• Day-Care procedures – Covers expenses for 540+ Day Care Treatment due to disease/ illness/lnjury during the policy period taken at a hospital or a Day Care Centre.
• Organ Donor – Covers Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the ecipient.
• Post-Hospitalization – Medical Expenses incurred up to 90 days after the date of discharge from the hospital.
• Domiciliary Treatment – Covers Medical Expenses incurred for availing medical treatment at home which would otherwise have required hospitalization. We will also cover pre and post hospitalization expenses in case of domiciliary hospitalization.
• In-patient Dental Treatment – Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness.
• AYUSH benefit – Covers Medical Expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
• Ambulance cover – Covers expenses incurred on transportation of Insured Person in a registered ambulance to a hospital in case of an emergency or from one hospital to another, for better medical facilities & treatment, subject to 3000 per Hospitalization.
• Second Opinion – Provides You a second opinion from Network Provider or Medical Practitioner, if an Insured Person is diagnosed with the mentioned Illnesses during the Policy Period.
• Health Check-up – Expenses for a Preventive Health Check-up upto 1% of previous year policy sum insured subject to a maximum of 10,000/- per policy in the event of every two continuous claim free policy years with us.
• Cumulative Bonus – 50% increase in cumulative bonus for every claim free year, upto a maximum of 100%. In the case a claim is made during the policy year, the cumulative bonus would reduce by 50% in the following year.
• Consumables Benefit – Covers expenses incurred, for consumables, which are consumed during the period of hospitalization directly related to the insured person's medical or surgical treatment of illness/disease/injury.
• Global Cover (Optional Cover) – Covers Medical Expenses related to Inpatient & Day Care Hospitalization of the Insured Person incurred outside India, provided that the diagnosis was made in India.

Exclusions of TATA AIG MediCare Plus plan

• Alcoholic pancreatitis and its related disorders or complications arising out of it.
• Admission primarily for diagnostic and evaluation purposes only.
• Treatment of Obesity and any weight control program.
• Congenital External Diseases, defects or anomalies.
• Laser treatment for correction of eye due to refractive error.

• Treatment rendered by a Medical Practitioner which is outside his discipline.
• Intentional self-injury or attempted suicide while sane or insane.
• Any Insured Person attempting to commit a breach of law with criminal intent.