Essential Features of a Health Insurance

  • Author :
  • TATA AIG Team
  • Published on :
  • 26/06/2020

A good, all- inclusive health insurance policy is your best option-be it a family health insurance or an individual health insurance. Health insurance policies come with a range of benefits which keep the policyholders safe and secure.

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What are the Essential Features of a Good Health Insurance Policy?

Living in a fast-paced world is not a choice any more – city-life, long working hours, pollution etc. are inescapable. Lifestyle disorders like diabetes, heart diseases, respiratory diseases, etc. are on the rise. With this comes the need to prepare and protect yourself and your loved ones. But how?

A good, all- inclusive health insurance policy is your best option. Health insurance policies come with a range of benefits which keep the policyholders safe and secure.

Some of the most essential features the right health insurance policy usually offers:

1. In-patient treatment

If you are hospitalised due to an illness or a disease, you need not worry. Tata AIG MediCare Premier covers your room rent, nursing charges and even drugs and medicines that will be consumed during the period of hospitalisation.

2. High-end diagnostics

Some of your illnesses might require expensive tests such as MRIs or biopsies. With Tata AIG MediCare Premier, the expenses are covered for a pre-determined set of diagnostic tests on OPD basis up to an amount of Rs 25,000 per policy per year.

3. Maternity cover

If you’re about to become parents soon you must know how expensive maternity care can be. MediCare Premier understands that and covers maternity expenses after a waiting period of 4 years up to Rs 50,000 for boys and up to Rs 60,000 in case a girl child is born so that you can enjoy the experience without any worries.

4. First-year vaccinations

Every parent knows that it is highly important to get their newborn vaccinated in time. If you’re looking for a health insurance policy which covers the cost of your baby’s vaccinations, MediCare Premier is for you! Expenses up to Rs 10,000 for boys and Rs 15,000 for the girl child are covered.

5. OPD dental treatment

Most of us require dental treatments at one point or another. Whether it is to get those cavities filled or an extraction, they can get pretty expensive. So, protect yourself from expenses related to all these with MediCare Premier after a continuous coverage for two years with us. With your expenses covered up to Rs 10,000 for treatments such as root canal, filling, extractions, you can get that much needed dental treatment for a healthier you.

6. Organ donor

Do you know that while donating an organ to someone in need is a noble task, it is also very expensive? It requires a lot of care of not just the organ in talk but also the person who is readily putting their life at stake to save yours. The organ donor benefit covers all medical expenses for harvesting the organ, only if the insured is the recipient.

7. Vaccination cover

Vaccinations are necessary not only for babies but even for adults like you as they make you immune to certain illnesses. MediCare Premier understands this and expenses for vaccinations such as typhoid vaccine and anti-rabies vaccine are covered without a waiting period while Hepatitis B and Human Papilloma Virus (HPV) are covered after 2 years of continued coverage and other vaccines.

8. Accidental death benefit

If the insured person passes away due to an accident, then 100% of the sum insured is covered. However, this cover is not applicable for dependent children covered under the policy.

9. Compassionate travel

You must have wondered how someone from your family would reach you if you were living away and you got sick. Tata AIG MediCare Premier health insurance policy would cover the round trip expenses for up to Rs 20,000 for your family member to reach you via first class railway ticket or economy class flight ticket.

To keep your health and wealth safe, all you need is a little caution and a good health insurance policy that caters to your needs.

With such an all-encompassing policy like Tata AIG MediCare Premier (UIN: TATHLIP18005V011819) you will be prepared for any situation that comes your way.

Think ahead. Don’t compromise; take your health into your hands today! To know more, call toll free no: 1800 266 1363

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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