TATA AIG Mediplus Plan

TATA AIG Mediplus is a top up health insurance plan that helps to increase your current health insurance coverage by providing a higher total coverage at an affordable premium. This plan is the ideal health protection for you and your family as it is a larger security umbrella that buffers you and your loved ones against any unforeseen medical situations.

Features of TATA AIG Mediplus Health Plan

Following are a few salient features of TATA AIG Mediplus health plan

  • The entry age of the plan is 18 years to 65 years for the proposer
  • Under this plan, an individual can insure self, spouse, upto 3 dependent children and parents.
  • Day care procedures: This plan provides receive coverage for up to 140 day care procedures that do not require hospitalisation.
  • Dental coverage: In case the policyholder undergoes any dental treatments owing to an accident or illness, then he/she is covered under the policy.
  • Flexibility: The Company provides a simple claim process, hassle free portability, lifelong renewal and ambulance charges coverage of up to Rs 2,000.
  • Tax Benefits: As a policyholder, you can claim a tax deduction of up to Rs 25,000 when you insure yourself/spouse/children and up to Rs 50,000 for parents (senior citizens) under Section 80D of Income Tax Act, 1961.

Benefits of TATA AIG Mediplus Health Plan

Following is a list of benefits of TATA AIG Mediplus Health plan

  • Pre and Post Hospitalization medical expenses: The expenses covered under this plan include upto 60 days immediately before hospitalization, and upto 90 days immediately post discharge.
  • In – patient hospitalization: These include expenses covered as ICU, room rent, medicinal drugs, nursing & consumables.
  • Domiciliary Treatment: The policy also provides coverage for medical expenses incurred for availing treatment at home, which otherwise would require hospitalization.
  • Day Care Procedures are also covered upto 140 day care treatments.
  • Emergency Ambulance: Rs. 2000 or the actual expenses incurred, whichever is lower per hospitalisation for availing an ambulance service is covered.
  • Portability: A policyholder who wishes to port or shift his policy to TATA AIG must apply at least 45 days before the premium renewal date of his current policy.
  • Organ Donor: This plan covers any expenses incurred on inpatient medical expenses on the insured and the organ donor for harvesting.
  • Network of Hospitals: TATA AIG has a network of 3000+ hospitals across India
  • Lifelong Renewal: The Company offers you a lifelong renewal for your policy.
  • Deductible: The Company is not liable for any payment, unless the Medical Expenses exceed the Deductible.
  • Waiver of Deductible: The insured person is offered the option to migrate to their indemnity health insurance Policy.

Importance of TATA AIG Mediplus Health Plan

  • Wide coverage: This plan is essential as it covers everyone, right from a 91-day-old baby to senior citizens who are 65 years old. This plan covers you, your spouse, three children, and your parents in a single plan.
  • Save money with discounts: As a policyholder, you get 10% discount on premium if you cover two or more family members. Also, in case you opt for a 2-year plan, you can avail another 7.5% discount.
  • Pre- and post-hospitalisation: TATA AIG Mediplus health plan covers the costs of medical expenses that have incurred 60 days prior and up to 90 days after hospitalisation.
  • Domiciliary treatment: In certain cases, you may need medical treatment and care at home for a condition that otherwise requires hospitalisation. If this kind pf treatment is based on your physician’s advice, then the policy will cover the costs.

Documents Required to Buy TATA AIG Mediplus Health Plan

To buy a TATA AIG Mediplus health plan, an individual needs to fill the Application form with the correct details of his medical history along with his/her address proof. In certain situations, medical examination may be necessary. This decision would be based on the sum insured and the age of the person

Documents Required to Raise a Claim with TATA AIG Mediplus Health Plan

The following documents are required to raise a claim with TATA AIG Mediplus health plus under the below mentioned conditions

Hospital Cash / Medical Benefit Claims

  • Claim Form
  • Attending Doctor's report
  • Hospital discharge card/ proof of hospitalization with details of treatment.
  • Bills with prescriptions
  • Pathological Reports/ X-rays, X-ray Reports.

Death Claims

  • Claim form
  • Attending Doctor's report
  • Original Death Certificate
  • Original / Attested Post Mortem / Coroner's report
  • Attested copy of FIR / Panchanama
  • Police Inquest report, where applicable

Conclusion

TATA AIG Mediplus health insurance is one of the most trusted and preferred top up health insurance plan in today’s day and age. With its wide array of features, benefits and coverage, it is a must have for the urban individual to cover all family members in one single plan.

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