MediCare Plus –Health Insurance Top-up Plan
With Tata AIG MediCare Plus, we bring to you a health companion you can rely on. This is a health insurance top-up plan designed as an economical and affordable option supplementing over and above the basic health insurance policy. Tata AIG MediCare Plus is built with benefits and features to suit your needs ensuring complete well-being and protection to you and your loved ones. Tata AIG General Insurance Co. Ltd has been accredited with iAAA rating by ICRA for highest claims paying ability. With a legacy built on trust, rest assured that there will be no compromise when it comes to you and your loved one’s health.
Range of benefits: Indemnity based health insurance cover with range of benefits without any sub-limit unless otherwise mentioned.
Network of hospitals: We are equipped to offer you health care with our network of 4000+ hospitals across India.
Lifelong renewal: We offer you a lifelong renewal for your policy provided premium is paid without any break. Your premiums will be basis the age, sum insured, deductible and plan. Your renewal premium will be basis your age on renewal and there will be no extra loadings based on your individual claim.
Global Cover (Optional Cover): We will cover Medical Expenses of the Insured Person incurred outside India, upto the sum insured in excess of deductible provided that the diagnosis was made in India and the insured travels abroad for treatment.
Consumables Benefit: We will pay for expenses incurred, for consumables which are listed in ‘Items for which optional cover may be offered by insurers’ under ‘Guidelines on Standardization in Health Insurance, 2016’, which are consumed during the period of hospitalization directly related to the insured’s medical or surgical treatment of illness/disease/injury.
Cumulative bonus: 50% increase in cumulative bonus for every claim free year In the case a claim is made during the policy year, the cumulative bonus would reduce by 50% in the following year.
Tax Benefit: The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.
Aggregate Deductible: All claims under the policy benefits shall be payable only if the aggregate of covered medical expenses, in respect to hospitalizations in a policy year is in excess of deductible specified in policy schedule. In case of family floater policy, the deductible shall be per policy per year and in case of individual policy, the deductible shall be per insured person per year