Covered up to Sum Insured

No limit, Covered up to Sum Insured

Covers expenses for Pre-Hospitalization consultations, investigations and medicines incurred upto 60
days before the date of admission to the hospital.

Covers expenses for Post-Hospitalization consultations, investigations and medicines incurred upto 90
days after discharge from the hospital.

Cover expenses for hospitalization due to disease/illness/Injury 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

Covers expenses for 540+ Day Care Treatment due to disease/illness/injury during the policy period taken at a hospital or a Day Care Centre. The list of such day care procedures covered is available on our website (www.tataaig.com)

Covers Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the recipient.

Covers medical expenses incurred by an Insured Person for availing medical treatment at his home which would
otherwise have required Hospitalisation. We will also cover pre and post hospitalization expenses in case of domiciliary hospitalization.

Covers medical expenses incurred for In-patient/Day care treatment taken in an AYUSH hospital/AYUSH day care centre, including pre and post hospitalization expenses.

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 treatment, subject to ₹ 3000 per Hospitalization.

Covers expenses for a Preventive Health Check-up upto 1% of previous year policy sum insured subject to a maximum of ₹10,000 per policy once in a block of every two continuous claim free policy years with us.

We will pay for expenses incurred, for specified consumables which are listed in ‘Annexure I – List I as Optional Items’ ‘Items which are consumed during the period of hospitalization directly related to the insured’s medical or surgical treatment of illness/disease/injury. Details of Annexure I-List I-Optional items are available on our website (www.tataaig.com).

Covers medical expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness

We will provide You a second opinion from Network Provider or Medical Practitioner, if an Insured Person is diagnosed
with the listed Illnesses in policy during the Policy Period

We will cover Medical Expenses of the Insured Person incurred outside India, upto the sum insured in excess of provided that the diagnosis was made in India and the insured travels abroad for treatment. The Medical Expenses payable shall be limited to Inpatient and daycare Hospitalization only on reimbursement basis.

We will offer Cumulative Bonus of 50% of the Sum Insured for every claim free year accumulating up to 100% of sum
insured. In the event of a claim, the cumulative bonus shall be reduced by 50% at the time of renewal/in subsequent policy year

Covered from Day 1

Expenses related to the treatment of any illness within
30 days from the first policy commencement date shall be
excluded except claims arising due to an accident, provided the same are covered.

Expenses related to the treatment of a pre-existing
Disease (PED) and its direct complications shall be excluded
until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.

Expenses related to the treatment of listed
Conditions, surgeries/ treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.

*Disclaimer: Please refer policy wordings of respective plans to understand the inclusions and exclusions